424 William St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 424 William St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	2,273 sqft · built 2009
Lot Size	0.176 acres (7,645 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,900 (Dec 2009)
Tax Bill	$16,471 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-00074-0000-00016-03`

Property Details

APN / Parcel Number

Primary APN	`18-00074-0000-00016-03`
Alternative APN	`18000740000000160003`

Interior

Stories	2 Stories
Building Area	2,273 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Frame
Lot Area	7,645 sqft (0.176 acres)
Lot Dimensions	147 ft deep x 52 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	424 WILLIAM ST
City	SOMERVILLE
State	NJ
Zip	08876-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GAIR
Legal Subdivision	131 NORTH GASTON AVE
Legal Block	74
Legal Lot Number	16.3
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	3
Census Block	3012
Census Tract	50300

Owner

Source: Somerset County and Somerville Borough records, as of July 7, 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	424 WILLIAM ST, SOMERVILLE, NJ 08876-2020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit AFFINITY FCU
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage KWIK MORTGAGE CORP
Sep 7, 2017	Intrafamily Transfer, Transfer · ARM KWIK MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2009 · Amount on Record
Deed Sale	Dec 28, 2009 · Amount on Record
Deed Document Number	200970041
Deed Book / Page	6289 / 1962
Last Transfer Date	Aug 26, 2017
Transfer Doc	0000036167
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	424 WILLIAM ST, SOMERVILLE, NJ 08876-2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060414
Date	Oct 12, 2021
Book Page	7390/3579
Instrument	2021060414

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	424 WILLIAM ST, SOMERVILLE, NJ 08876-2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059315
Date	Nov 23, 2020
Book Page	7276/3589
Instrument	2020059315

Lender

Name	KWIK MORTGAGE CORP
Type	Mortgage Company
Address	SOUTH PLAINFIELD, NJ 07080

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SOMERSET NJ
Recording Date	Sep 7, 2017
Property Address	424 WILLIAM ST, SOMERVILLE, NJ 08876-2020
Document Number	0000036167
Book / Page	6988 / 0279
Map Reference	DOC2007026099
Instrument Date	Aug 26, 2017
Instrument	2017036167
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	PROVIDENCE ABSTRACT LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 WILLIAM ST, SOMERVILLE, NJ 08876-2020

Mortgage

Document Number	0000036168
Date	Sep 7, 2017
Instrument	2017036168

Lender

Name	KWIK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

Source: Somerset County and Somerville Borough assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$403,800 (-) Land $132,600 Building $271,200	$403,800 (-) Land $132,600 Building $271,200
2025	$16,471.00 (+3.19%)	$403,800 (-) Land $132,600 Building $271,200	$403,800 (-) Land $132,600 Building $271,200
2024	$15,962.00 (+5.44%)
2023		$403,800 Land $132,600 Building $271,200	$403,800 Land $132,600 Building $271,200
2022	$15,138.00

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 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1979–2021)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 94% of the US · lower than 83% 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 453 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: AT&T.

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