Somerset County and Somerville Borough property record for 404 William St, Somerville, NJ 08876
| Property Type | Single Family Home |
|---|---|
| Details | 1,524 sqft · built 1952 |
| Lot Size | 0.17 acres (7,401 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Sep 2004) |
| Tax Bill | $11,947 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00074-0000-00013 |
| Primary APN | 18-00074-0000-00013 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,524 sqft Living Area |
| 1st Floor Area | 1,524 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 7,401 sqft (0.17 acres) |
| Lot Dimensions | 148 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 404 WILLIAM ST |
|---|---|
| City | SOMERVILLE |
| State | NJ |
| Zip | 08876-2020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | SHOING/ROSS ADD |
| Legal Block | 74 |
| Legal Lot Number | 13 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | SOMERVILLE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 50300 |
404 William St is owned and occupied by an individual who acquired it in June 2012.
Source: Somerset County and Somerville Borough records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 WILLIAM ST, SOMERVILLE, NJ 08876-2020 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2004 · Amount on File |
| Deed Sale | Sep 27, 2004 · Amount on File |
| Prior Sale | Sep 19, 1995 · Amount on File |
| Deed Book / Page | 5651 / 88 |
| Last Transfer Date | Jun 7, 2012 |
| Transfer Doc | 0000031649 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 404 WILLIAM ST, SOMERVILLE, NJ 08876-2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 13 TRENTON ST, JERSEY CITY, NJ 07306-1410 |
| Document Number | 0000003451 |
|---|---|
| Date | Feb 9, 2024 |
| Book Page | 7544/1644 |
| Instrument | 2024003451 |
| Name | HANOVER COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MINEOLA, NY 11501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Type Change Date | Mar 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.37% |
| Max Rate At Change | 8.37% |
| Max Rate | 17.3% |
The 2025 property tax bill for 404 William St was $11,947, up 3.2% from the year before.
Source: Somerset County and Somerville Borough assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| Municipality | Somerville Borough |
| Unified School District | Somerville Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $292,900 (-) Land $135,700 Building $157,200 | $292,900 (-) Land $135,700 Building $157,200 | |
| 2025 | $11,947.00 (+3.19%) | $292,900 Land $135,700 Building $157,200 | $292,900 Land $135,700 Building $157,200 |
| 2024 | $11,578.00 | ||
| 2023 | $292,900 Land $135,700 Building $157,200 | $292,900 Land $135,700 Building $157,200 | |
| 2022 | $11,015.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 William St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective September 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 6 (1979–2021) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 404 William St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 83% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 453 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 |
May also be available: AT&T.
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