428 Giles Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 428 Giles Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,008 sqft · built 1949
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Last Sale	$133,900 (May 2017)
Tax Bill	$9,343 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-00196-0000-00033`

Property Details

APN / Parcel Number

Primary APN	`10-00196-0000-00033`
Alternative APN	`100019600033`

Interior

Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	428 GILES AVE
City	MIDDLESEX
State	NJ
Zip	08846-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R50
Legal Description	50X100 34
Legal Subdivision	WATCHUNG ESTATES
Legal Block	196
Legal Lot Number	33
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	1
Census Block	1022
Census Tract	102

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	Individual Name on Record
Mailing Address	428 GILES AVE, MIDDLESEX, NJ 08846-2007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Dec 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
May 25, 2017	Grant Deed, Transfer · FHA Mortgage PRINCETON MTG
Jan 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2017 · Amount on Record
Deed Sale	May 25, 2017 · Amount on Record
Prior Sale	Mar 23, 2016 · Amount on Record
Deed Document Number	2017240
Deed Book / Page	6985 / 774
Prior Transfer Date	Jun 3, 2016
Prior Transfer Doc	0001110540
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	May 1, 2026
Property Address	428 GILES AVE, MIDDLESEX, NJ 08846-2007
Document Number	0000027982
Book / Page	20013 / 946
Instrument Date	Apr 24, 2026
Instrument	202627982
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 GILES AVE, MIDDLESEX, NJ 08846-2007
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027982,
Date	May 1, 2026
Book Page	20013/946
Instrument	202627982

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 18, 2046

Interest

Rate	6.38%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	428 GILES AVE, MIDDLESEX, NJ 08846-2007
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	ALLSTATES TITLE SERVICE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000133987
Date	Dec 24, 2020
Book Page	18198/1286
Instrument	2020133987

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	May 25, 2017
Property Address	428 GILES AVE, MIDDLESEX, NJ 08846-2007
Document Number	0000009062
Book / Page	006985 / 000774
Instrument Date	May 17, 2017
Instrument	9062
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	ASSOCIATED TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$133.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 GILES AVE MIDDLESEX NJ 088462007, MIDDLESEX, NJ 08846-2007

Mortgage

Document Number	12174
Date	May 25, 2017
Book Page	016777/000845
Instrument	12174

Lender

Name	PRINCETON MTG
Type	Mortgage Company
Address	PENNINGTON, NJ 08534

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Jan 11, 2017
Property Address	428 GILES AVE, MIDDLESEX, NJ 08846-2007
Document Number	0000000740
Book / Page	006919 / 000096
Instrument Date	Jun 3, 2016
Instrument	740
Transaction Type	Transfer
Record Updated	Feb 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

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		$449,200 (+1.93%) Land $134,800 Building $314,400	$449,200 (+1.93%) Land $134,800 Building $314,400
2025	$9,343.00 (+9.24%)	$440,700 (+19.24%) Land $134,800 Building $305,900	$440,700 (+19.24%) Land $134,800 Building $305,900
2024	$8,553.00 (+9.88%)
2023		$369,600 Land $134,800 Building $234,800	$369,600 Land $134,800 Building $234,800
2022	$7,784.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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 607 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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