Somerset County and Franklin Township property record for 405 Breakers Ln, Somerset, NJ 08873
| Property Type | Single Family Home |
|---|---|
| Details | 2,458 sqft · built 2004 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $701,000 (Sep 2024) |
| Tax Bill | $11,768 (2025) |
| Deeds & Mortgages | Dec 2024 Line of Credit Sep 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-00507-25-00011 |
| Primary APN | 08-00507-25-00011 |
|---|---|
| Alternative APN |
|
| Building Area | 2,458 sqft Living Area |
|---|
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 6,970 sqft (0.16 acres) |
| Street Address | 405 BREAKERS LN |
|---|---|
| City | SOMERSET |
| State | NJ |
| Zip | 08873-6016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SCV |
| Legal Subdivision | SOMERSET RUN |
| Legal Block | 507 |
| Legal Lot Number | 11 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 54301 |
405 Breakers Ln is owned and occupied by two individuals who bought it in September 2024.
Source: Somerset County and Franklin Township records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 BREAKERS LN, SOMERSET, NJ 08873-6016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 12, 2024 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Sep 16, 2024 | Deed, Transfer CORNERSTONE TITLE AND ESCROW LLC, CORNERSTONE TTL & STLMT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2024 · Amount on File |
| Deed Sale | Sep 16, 2024 · Amount on File |
| Prior Sale | Jun 4, 2013 · Amount on File |
| Deed Document Number | 202423632 |
| Deed Book / Page | 7577 / 1654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 405 BREAKERS LN, SOMERSET, NJ 08873-6016 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 405 BREAKERS LN, SOMERSET, NJ 08873-6016 |
| Document Number | 0000033168 |
|---|---|
| Date | Dec 12, 2024 |
| Book Page | 7593/850 |
| Instrument | 2024033168 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Sep 16, 2024 |
| Property Address | 405 BREAKERS LN, SOMERSET, NJ 08873-6016 |
| Document Number | 0000023632 |
| Book / Page | 7577 / 1654 |
| Instrument Date | Aug 27, 2024 |
| Instrument | 2024023632 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | CORNERSTONE TITLE AND ESCROW LLC, CORNERSTONE TTL & STLMT LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,940.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 210 E MAIN ST, SOMERVILLE, NJ 08876-3019 |
| Name | Verified Name |
|---|---|
| Address | 405 BREAKERS LN, SOMERSET, NJ 08873-6016 |
The 2025 property tax bill for 405 Breakers Ln was $11,768, up 11.5% from the year before.
Source: Somerset County and Franklin Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| County Subdivision | Franklin Township |
| Unified School District | Franklin Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $676,700 (-) Land $298,900 Building $377,800 | $676,700 (-) Land $298,900 Building $377,800 | |
| 2025 | $11,768.00 (+11.53%) | $676,700 Land $298,900 Building $377,800 | $676,700 Land $298,900 Building $377,800 |
| 2024 | $10,551.00 | ||
| 2023 | $552,300 Land $270,400 Building $281,900 | $552,300 Land $270,400 Building $281,900 | |
| 2022 | $10,192.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Breakers Ln in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 7 in force |
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.
The area around 405 Breakers Ln 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRANKLIN TOWNSHIP DEPT OF PUBLIC WORKS serves 57,150 people · EPA ID NJ1808001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2021 |
| Monitoring and Reporting | 9 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 347 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile.
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