404 Lorraine Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 404 Lorraine Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,080 sqft · built 1950
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Sep 2021)
Tax Bill	$9,031 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00199-0000-00045`

Property Details

APN / Parcel Number

Primary APN	`10-00199-0000-00045`
Alternative APN	`100019900045`

Interior

Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	404 LORRAINE AVE
City	MIDDLESEX
State	NJ
Zip	08846-2053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60A
Legal Description	50X100 46-48
Legal Subdivision	WATCHUNG ESTATES
Legal Block	199
Legal Lot Number	45
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	1
Census Block	1015
Census Tract	102

Owner

404 Lorraine Ave is owned and occupied by two individuals who bought it in September 2021.

Source: Middlesex County and Middlesex Borough records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	404 LORRAINE AVE, MIDDLESEX, NJ 08846-2053
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2021 · Amount on File
Deed Sale	Sep 20, 2021 · Amount on File
Prior Sale	Mar 11, 2005 · Amount on File
Deed Document Number	2021119161
Deed Book / Page	18634 / 1197
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Sep 20, 2021
Property Address	404 LORRAINE AVE, MIDDLESEX, NJ 08846-2053
Document Number	2021119161
Book / Page	18634 / 1197
Instrument Date	Jul 28, 2021
Instrument	2021119161
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	SHEPHERD TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,793.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7838 NILE RIVER RD, 7838, WEST PALM BEACH, FL 33411-5770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 LORRAINE AVE, MIDDLESEX, NJ 08846-2053

Mortgage

Document Number	2021119162
Date	Sep 20, 2021
Instrument	2021119162

Lender

Name	PANORAMA MORTGAGE GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 404 Lorraine Ave was $9,031, up 12% from the year before.

Source: Middlesex County and Middlesex Borough assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
Municipality	Middlesex Borough
Unified School District	Middlesex Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$439,900 (+3.26%) Land $134,800 Building $305,100	$439,900 (+3.26%) Land $134,800 Building $305,100
2025	$9,031.00 (+11.96%)	$426,000 Land $134,800 Building $291,200	$426,000 Land $134,800 Building $291,200
2024	$8,066.00
2023		$348,600 Land $134,800 Building $213,800	$348,600 Land $134,800 Building $213,800
2022	$7,329.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 Lorraine Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 404 Lorraine Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NJ AMERICAN WATER - RARITAN private · serves 615,430 people · EPA ID NJ2004002
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20