427 William St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 427 William St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	2,176 sqft · built 2020
Lot Size	0.169 acres (7,362 sqft)
Owner	2 Individual Names on File
Last Sale	$497,000 (Mar 2020)
Tax Bill	$17,552 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-00081-0000-00001-022`

Property Details

APN / Parcel Number

Primary APN	`18-00081-0000-00001-022`
Alternative APN	`180008100000000102`

Interior

Building Area	2,176 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	7,362 sqft (0.169 acres)
Lot Dimensions	142 ft deep x 141 ft wide

Location & Zoning

Old Parcel Number	180008100000000102
Street Address	427 WILLIAM ST
City	SOMERVILLE
State	NJ
Zip	08876-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	81
Legal Lot Number	1.22
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	4
Census Block	4012
Census Tract	50300

Owner

427 William St is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	427 WILLIAM ST, SOMERVILLE, NJ 08876-2019
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
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Mar 25, 2020	Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Nov 12, 2019	Grant Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2020 · Amount on File
Deed Sale	Mar 25, 2020 · Amount on File
Deed Document Number	202012855
Deed Book / Page	7199 / 1579
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	427 WILLIAM ST, SOMERVILLE, NJ 08876-2019
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038081
Date	Jun 21, 2021
Book Page	7354/2365
Instrument	2021038081

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company
Address	CHESTER, NJ 07930

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2041

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Mar 25, 2020
Property Address	427 WILLIAM ST, SOMERVILLE, NJ 08876-2019
Document Number	0000012855
Book / Page	7199 / 1579
Instrument Date	Jan 3, 2020
Instrument	2020012855
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,146.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 US HIGHWAY 22, 100, SPRINGFIELD, NJ 07081-3130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 WILLIAM ST, SOMERVILLE, NJ 08876-2019

Mortgage

Document Number	0000012856
Date	Mar 25, 2020
Instrument	2020012856

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	Nov 12, 2019
Property Address	427 WILLIAM ST, SOMERVILLE, NJ 08876-2019
Document Number	0000043569
Book / Page	007166 / 001992
Instrument Date	Nov 1, 2019
Instrument	43569
Transaction Type	Subdivision Related Transfer
Record Updated	May 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$499.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 WILLIAM ST SOMERVILLE NJ 08876, SOMERVILLE, NJ 08876

Tax Assessment & Valuation

The 2025 property tax bill for 427 William St was $17,552, up 3.2% from the year before.

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		$430,300 (-) Land $131,900 Building $298,400	$430,300 (-) Land $131,900 Building $298,400
2025	$17,552.00 (+3.19%)	$430,300 Land $131,900 Building $298,400	$430,300 Land $131,900 Building $298,400
2024	$17,009.00
2023		$430,300 Land $131,900 Building $298,400	$430,300 Land $131,900 Building $298,400
2022	$16,183.00

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

Flood

FEMA maps place 427 William St in Zone X, an area of minimal flood risk.

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	1 in force

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 427 William St is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 386 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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