420 1st St, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 420 1st St, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,912 sqft · built 1953
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Aug 2020)
Tax Bill	$10,159 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`10-00039-0000-00029`

Property Details

APN / Parcel Number

Primary APN	`10-00039-0000-00029`
Alternative APN	`100003900029`

Interior

Stories	1 Story
Building Area	1,912 sqft Living Area
1st Floor Area	1,912 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	420 1ST ST
City	MIDDLESEX
State	NJ
Zip	08846-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60A
Legal Description	50X100 30
Legal Subdivision	DUNELLEN TERRACE
Legal Block	39
Legal Lot Number	29
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	1
Census Block	1022
Census Tract	200

Owner

Source: Middlesex County and Middlesex 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	420 1ST ST, MIDDLESEX, NJ 08846-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Line of Credit UNITY BANK
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 31, 2020	Deed of Trust, Mortgage · Conventional with PMI AFFINITY FCU
Aug 3, 2020	Deed, Transfer · Conventional Mortgage AFFINITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Deed Document Number	202069849
Deed Book / Page	17969 / 1524
Prior Transfer Date	Jul 18, 2020
Prior Transfer Doc	0000069849
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	420 1ST ST, MIDDLESEX, NJ 08846-1502
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051795
Date	Aug 31, 2023
Book Page	19290/402
Instrument	2023051795

Lender

Name	UNITY BANK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	420 1ST ST, MIDDLESEX, NJ 08846-1502
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000137362
Date	Nov 4, 2021
Book Page	18698/963
Instrument	2021137362

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	420 1ST ST, MIDDLESEX, NJ 08846-1502
Document Number	0000069850
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 1ST ST MIDDLESEX NJ 088461502, MIDDLESEX, NJ 08846-1502

Mortgage

Document Number	0000069850
Date	Aug 3, 2020
Book Page	017969/001531
Instrument	69850

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Aug 3, 2020
Property Address	420 1ST ST, MIDDLESEX, NJ 08846-1502
Document Number	0000069849
Book / Page	17969 / 1524
Instrument Date	Jul 18, 2020
Instrument	2020069849
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	290 CLARKS RD, 290, CRESCO, PA 18326-7768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 1ST ST, MIDDLESEX, NJ 08846-1502

Mortgage

Document Number	0000069850
Date	Aug 3, 2020
Instrument	2020069850

Lender

Name	AFFINITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$509,600 (+6.34%) Land $122,400 Building $387,200	$509,600 (+6.34%) Land $122,400 Building $387,200
2025	$10,159.00 (+12.09%)	$479,200 (+22.34%) Land $122,400 Building $356,800	$479,200 (+22.34%) Land $122,400 Building $356,800
2024	$9,063.00 (+29.62%)
2023		$391,700 Land $122,400 Building $269,300	$391,700 Land $122,400 Building $269,300
2022	$6,992.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	148 (1979–2025)
Claims Outside the SFHA	10 of 148
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 21 claims Hurricane Irene, Aug 2011 · 30 claims Severe Storms And Flooding, Mar 2010 · 30 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	Low lower than 99.1% of the US · lower than 97.3% 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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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