Middlesex County and Middlesex Borough property record for 405 Lorraine Ave, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 1,168 sqft · built 1955 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,052 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Jul 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00200-0000-00001-01 |
| Primary APN | 10-00200-0000-00001-01 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,168 sqft Living Area |
| 1st Floor Area | 1,168 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Street Address | 405 LORRAINE AVE |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-2054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R60A |
| Legal Description | 50X100 2THRU4-A |
| Legal Subdivision | WATCHUNG ESTATES |
| Legal Block | 200 |
| Legal Lot Number | 1.1 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 102 |
405 Lorraine Ave is owned and occupied by an individual who acquired it in July 2021.
Source: Middlesex County and Middlesex Borough records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 LORRAINE AVE, MIDDLESEX, NJ 08846-2054 |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 21, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Apr 11, 2019 | Loan Modification, Mortgage · Conventional Mortgage GREEN TREE SERVICING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2021 |
| Deed Sale | Jul 21, 2021 |
| Deed Document Number | 202193642 |
| Deed Book / Page | 18545 / 1726 |
| Prior Transfer Date | May 10, 2021 |
| Prior Transfer Doc | 2021093642 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 405 LORRAINE AVE, MIDDLESEX, NJ 08846-2054 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 405 LORRAINE AVE, MIDDLESEX, NJ 08846-2054 |
| Document Number | 0000073344 |
|---|---|
| Date | Dec 15, 2023 |
| Book Page | 19362/144 |
| Instrument | 2023073344 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 330 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 405 LORRAINE AVE, MIDDLESEX, NJ 08846-2054 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 405 LORRAINE AVE, MIDDLESEX, NJ 08846-2054 |
| Document Number | 0000042317 |
|---|---|
| Date | Jul 21, 2023 |
| Book Page | 19257/1925 |
| Instrument | 2023042317 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Jun 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jul 21, 2021 |
| Property Address | 405 LORRAINE AVE, MIDDLESEX, NJ 08846-2054 |
| Document Number | 2021093642 |
| Book / Page | 18545 / 1726 |
| Instrument Date | May 10, 2021 |
| Instrument | 2021093642 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 459 SHASTA DR APT 404, 459, BRIDGEWATER, NJ 08807-3733 |
| Name | Verified Name |
|---|---|
| Address | 405 LORRAINE AVE, MIDDLESEX, NJ 08846-2054 |
| Document Number | 2021093643 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 2021093643 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 405 LORRAINE AVE, MIDDLESEX, NJ 08846-2054 |
| Document Number | 0000034932 |
| Instrument Date | Apr 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2019 |
| Title Company | SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTION |
| Name | Verified Name |
|---|---|
| Address | 405 LORRAINE AVE MIDDLESEX NJ 088462054, MIDDLESEX, NJ 08846-2054 |
| Document Number | 0000034932 |
|---|---|
| Date | May 9, 2019 |
| Book Page | 017493/000094 |
| Instrument | 34932 |
| Name | GREEN TREE SERVICING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | May 8, 2059 |
| Rate | 3.5% |
|---|
The 2025 property tax bill for 405 Lorraine Ave was $9,052, up 12.5% from the year before.
Source: Middlesex County and Middlesex Borough assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Middlesex Borough |
| Unified School District | Middlesex Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $432,000 (+1.17%) Land $134,800 Building $297,200 | $432,000 (+1.17%) Land $134,800 Building $297,200 | |
| 2025 | $9,052.00 (+12.55%) | $427,000 Land $134,800 Building $292,200 | $427,000 Land $134,800 Building $292,200 |
| 2024 | $8,043.00 | ||
| 2023 | $347,600 Land $134,800 Building $212,800 | $347,600 Land $134,800 Building $212,800 | |
| 2022 | $7,813.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 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.
The area around 405 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.
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 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 |
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