414 Prospect Ave, Dunellen, NJ 08812 Property Records

Middlesex County and Dunellen Borough property record for 414 Prospect Ave, Dunellen, NJ 08812

Property Summary

Property Type	Single Family Home
Details	1,828 sqft · built 1919
Lot Size	0.367 acres (15,982 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jan 2024)
Tax Bill	$12,091 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00060-0000-00021`

Property Details

APN / Parcel Number

Primary APN	`03-00060-0000-00021`
Alternative APN	`030006000021`

Interior

Stories	2 Stories
Building Area	1,828 sqft Living Area

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Colonial
Construction Type	Frame
Lot Area	15,982 sqft (0.367 acres)
Lot Dimensions	170 ft deep x 94 ft wide

Location & Zoning

Street Address	414 PROSPECT AVE
City	DUNELLEN
State	NJ
Zip	08812-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	94X170
Legal Block	60
Legal Lot Number	21
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	DUNELLEN
Census Block Group	1
Census Block	1020
Census Tract	300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	414 PROSPECT AVE, DUNELLEN, NJ 08812-1530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 14, 2023	Deed of Trust, Mortgage · Commercial Mortgage RFLF 7 LLC
Jul 14, 2023	Deed, Transfer · Construction Mortgage RFLF 7 LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2024 · Amount on Record
Deed Sale	Jan 4, 2024 · Amount on Record
Prior Sale	Jul 14, 2023 · Amount on Record
Deed Document Number	2024703
Deed Book / Page	19373 / 1241
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Jan 4, 2024
Property Address	414 PROSPECT AVE, DUNELLEN, NJ 08812-1530
Document Number	0000000703
Book / Page	19373 / 1241
Instrument Date	Dec 21, 2023
Instrument	2024000703
Transaction Type	Transfer
Record Updated	Jan 18, 2024
Title Company	BESPOKE TITLE AND SETTLEMENT SERVICES LLC, BESPOKE TTL & STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	248 ROUTE 25A2012, EAST SETAUKET, NY 11733

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 PROSPECT AVE, DUNELLEN, NJ 08812-1530

Mortgage

Document Number	0000000704
Date	Jan 4, 2024
Instrument	2024000704

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2044

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	414 PROSPECT AVE, DUNELLEN, NJ 08812-1530
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	COASTAL TITLE, COASTAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 ROUTE 25A, EAST SETAUKET, NY 11733-2954
Investor	Possibly a Property Investor

Mortgage

Document Number	0000040442
Date	Jul 14, 2023
Book Page	19251/1341
Instrument	2023040442

Lender

Name	RFLF 7 LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60606

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Jul 14, 2023
Property Address	414 PROSPECT AVE, DUNELLEN, NJ 08812-1530
Document Number	0000040440
Book / Page	19251 / 1304
Instrument Date	Jun 23, 2023
Instrument	2023040440
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	COASTAL TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	682 SW LAKE CHARLES CIR, PORT ST LUCIE, FL 34986-3429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 ROUTE 25A # 2012, 2012, EAST SETAUKET, NY 11733-2954
Investor	Possibly a Property Investor

Mortgage

Document Number	0000040441
Date	Jul 14, 2023
Book Page	19251/1312
Instrument	2023040441

Lender

Name	RFLF 7 LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60606

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2024

Tax Assessment & Valuation

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		$494,700 (+0.16%) Land $129,700 Building $365,000	$494,700 (+0.16%) Land $129,700 Building $365,000
2025	$12,091.00 (+10.96%)	$493,900 (+13.64%) Land $129,700 Building $364,200	$493,900 (+13.64%) Land $129,700 Building $364,200
2024	$10,897.00 (+1.73%)
2023		$434,600 (+12.01%) Land $129,700 Building $304,900	$434,600 (+12.01%) Land $129,700 Building $304,900
2022	$10,712.00 (+1.85%)	$388,000 Land $129,700 Building $258,300	$388,000 Land $129,700 Building $258,300
2021	$10,517.00

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

Flood

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 Record 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

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 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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