432 Howard Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 432 Howard Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,461 sqft · built 1949
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Aug 2022)
Tax Bill	$8,245 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00198-0000-00031`

Property Details

APN / Parcel Number

Primary APN	`10-00198-0000-00031`
Alternative APN	`100019800031`

Interior

Stories	1 Story
Building Area	1,461 sqft Living Area
1st Floor Area	1,461 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	432 HOWARD AVE
City	MIDDLESEX
State	NJ
Zip	08846-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60A
Legal Description	50X100 32
Legal Subdivision	WATCHUNG ESTATES
Legal Block	198
Legal Lot Number	31
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	1
Census Block	1014
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	2 Individual Names on Record
Mailing Address	432 HOWARD AVE, MIDDLESEX, NJ 08846-2015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2022 · Amount on Record
Deed Sale	Aug 9, 2022 · Amount on Record
Deed Document Number	202271616
Deed Book / Page	19007 / 821
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Aug 9, 2022
Property Address	432 HOWARD AVE, MIDDLESEX, NJ 08846-2015
Document Number	0000071616
Book / Page	19007 / 821
Instrument Date	Jul 29, 2022
Instrument	2022071616
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,105.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	161 LANDER DR, 161, CONWAY, SC 29526-8802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 HOWARD AVE, MIDDLESEX, NJ 08846-2015

Mortgage

Document Number	0000071617
Date	Aug 9, 2022
Instrument	2022071617

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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		$420,000 (+8%) Land $134,800 Building $285,200	$420,000 (+8%) Land $134,800 Building $285,200
2025	$8,245.00 (-6.65%)	$388,900 (+1.89%) Land $134,800 Building $254,100	$388,900 (+1.89%) Land $134,800 Building $254,100
2024	$8,832.00 (+7.59%)
2023		$381,700 Land $134,800 Building $246,900	$381,700 Land $134,800 Building $246,900
2022	$8,209.00

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	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 572 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
AT&T Fixed Wireless	100 / 20