408 Prospect Ave, Dunellen, NJ 08812 Property Records

Middlesex County and Dunellen Borough property record for 408 Prospect Ave, Dunellen, NJ 08812

Property Summary

Property Type	Single Family Home
Details	3,037 sqft · built 1996
Lot Size	0.195 acres (8,499 sqft)
Owner	Individual Name on File
Last Sale	$595,000 (Dec 2022)
Tax Bill	$16,034 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-00060-0000-00020-01`

Property Details

APN / Parcel Number

Primary APN	`03-00060-0000-00020-01`
Alternative APNs	`03000600000000200001` `0300060000000020A`

Interior

Stories	2 Stories
Building Area	3,037 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Lot Area	8,499 sqft (0.195 acres)
Lot Dimensions	170 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	0300060000000020A
Street Address	408 PROSPECT AVE
City	DUNELLEN
State	NJ
Zip	08812-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	50X170
Legal Block	60
Legal Lot Number	20.1
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	DUNELLEN
Census Block Group	1
Census Block	1020
Census Tract	300

Owner

408 Prospect Ave is owned and occupied by an individual who bought it in December 2022.

Source: Middlesex County and Dunellen Borough records, as of July 6, 2026

Owner of Record	Individual Name on File
Mailing Address	408 PROSPECT AVE, DUNELLEN, NJ 08812-1530
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

Date	Document
Dec 6, 2022	Deed, Transfer · Conventional Mortgage COLUMBIA BANK
Sep 14, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2022 · Amount on File
Deed Sale	Dec 6, 2022 · Amount on File
Deed Document Number	2022100728
Deed Book / Page	19103 / 989
Record Updated	Sep 20, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Dec 6, 2022
Property Address	408 PROSPECT AVE, DUNELLEN, NJ 08812-1530
Document Number	0000100728
Book / Page	19103 / 989
Instrument Date	Oct 31, 2022
Instrument	2022100728
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	TITLE AGENCY/NJ INC, TITLE AGENCY OF NJ INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,378.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 PROSPECT AVE, DUNELLEN, NJ 08812-1530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 PROSPECT AVE, DUNELLEN, NJ 08812-1530

Mortgage

Document Number	0000100729
Date	Dec 6, 2022
Instrument	2022100729

Lender

Name	COLUMBIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year T-Bill
Max Rate	10%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	408 PROSPECT AVE, DUNELLEN, NJ 08812-1530
Document Number	0000020626
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	408 PROSPECT AVE DUNELLEN NJ 088121530, DUNELLEN, NJ 08812-1530

Mortgage

Document Number	0000020626
Date	Oct 2, 2017
Book Page	016911/000095
Instrument	20626

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 408 Prospect Ave was $16,034, down 2.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$675,000 (+3.05%) Land $108,400 Building $566,600	$675,000 (+3.05%) Land $108,400 Building $566,600
2025	$16,034.00 (-2.39%)	$655,000 Land $108,400 Building $546,600	$655,000 Land $108,400 Building $546,600
2024	$16,427.00
2023		$599,000 Land $108,400 Building $490,600	$599,000 Land $108,400 Building $490,600
2022	$15,911.00

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

Flood

FEMA maps place 408 Prospect Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 131 policies
Nearby Flood Policies	131 in force
Nearby Flood Claims	160 (1978–2025)
Claims Outside the SFHA	16 of 160
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 33 claims Hurricane Irene, Sep 2011 · 47 claims Severe Storms And Flooding, Mar 2010 · 16 claims

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

Wildfire risk around 408 Prospect Ave 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 98% of the US · lower than 94% 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.

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 543 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: Xfinity.

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