437 1st St, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 437 1st St, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,500 sqft · built 2000
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$425,600 (Apr 2021)
Tax Bill	$10,066 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Apr 2021 Sale & Construction Loan
Flood Zone	Zone X (moderate risk)
APN	`10-00044-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`10-00044-0000-00019`
Alternative APN	`100004400019`

Interior

Stories	1 Story
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	437 1ST ST
City	MIDDLESEX
State	NJ
Zip	08846-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60A
Legal Description	50X100 20
Legal Subdivision	DUNELLEN TERRACE
Legal Block	44
Legal Lot Number	19
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	1
Census Block	1023
Census Tract	200

Owner

437 1st St is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	437 1ST ST, MIDDLESEX, NJ 08846-1501
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
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 20, 2021	Bargain and Sale Deed, Construction Loan · Construction Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on File
Deed Sale	Apr 20, 2021 · Amount on File
Prior Sale	Jan 14, 2014 · Amount on File
Deed Document Number	202153848
Deed Book / Page	18402 / 684
Prior Transfer Date	Sep 22, 2008
Prior Transfer Doc	0000011756
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	437 1ST ST, MIDDLESEX, NJ 08846-1501
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092392
Date	Nov 4, 2019
Book Page	17674/1632
Instrument	2019092392

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2034

April 2021: Bargain and Sale Deed, Construction Loan

Document Type	Bargain and Sale Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Apr 20, 2021
Property Address	437 1ST ST, MIDDLESEX, NJ 08846-1501
Document Number	0000053848
Book / Page	18402 / 684
Instrument Date	Mar 10, 2021
Instrument	2021053848
Transaction Type	Construction Loan
Record Updated	Aug 18, 2022
Title Company	ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,464.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	239 MARIPOSA LN, 239, CLAYTON, NC 27527-2003

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	437 1ST ST, MIDDLESEX, NJ 08846-1501

Mortgage

Document Number	0000053849
Date	Apr 20, 2021
Instrument	2021053849

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 437 1st St was $10,066, up 15.9% from the year before.

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		$531,800 (+12.01%) Land $122,400 Building $409,400	$531,800 (+12.01%) Land $122,400 Building $409,400
2025	$10,066.00 (+15.91%)	$474,800 Land $122,400 Building $352,400	$474,800 Land $122,400 Building $352,400
2024	$8,684.00
2023		$375,300 Land $122,400 Building $252,900	$375,300 Land $122,400 Building $252,900
2022	$7,665.00

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

Flood

FEMA maps place 437 1st St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 437 1st St is low, with less than 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 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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