Middlesex County and Middlesex Borough property record for 437 Howard Ave, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 1,260 sqft · built 1955 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (May 2013) |
| Tax Bill | $9,328 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00199-0000-00019 |
| Primary APN | 10-00199-0000-00019 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Street Address | 437 HOWARD AVE |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-2016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R60A |
| Legal Description | 50X100 20 |
| Legal Subdivision | WATCHUNG ESTATES |
| Legal Block | 199 |
| Legal Lot Number | 19 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 102 |
Source: Middlesex County and Middlesex Borough records · APN 10-00199-0000-00019
Assessment roll updated June 30, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 437 HOWARD AVE, MIDDLESEX, NJ 08846-2016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2019 | Deed of Trust, Mortgage · Commercial Mortgage UNITY BANK |
| Dec 29, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 14, 2013 · Amount on Record |
| Deed Sale | May 14, 2013 · Amount on Record |
| Deed Document Number | 2013198 |
| Deed Book / Page | 6454 / 284 |
| Last Transfer Date | Apr 27, 2021 |
| Transfer Doc | 0000156082 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 437 HOWARD AVE, MIDDLESEX, NJ 08846-2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000074330 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 17616/1313 |
| Instrument | 2019074330 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 04, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Dec 29, 2021 |
| Property Address | 437 HOWARD AVE, MIDDLESEX, NJ 08846-2016 |
| Document Number | 0000156082 |
| Book / Page | 18763 / 951 |
| Instrument Date | Apr 27, 2021 |
| Instrument | 2021156082 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 437 HOWARD AVE, MIDDLESEX, NJ 08846-2016 |
| Document Number | 0000156083 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2021156083 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 234 Months |
| Due | Jun 01, 2041 |
Source: Middlesex County and Middlesex Borough records · Assessment roll updated June 30, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Middlesex Borough |
| Unified School District | Middlesex Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $475,100 (+7.98%) Land $134,800 Building $340,300 | $475,100 (+7.98%) Land $134,800 Building $340,300 | |
| 2025 | $9,328.00 (+2.57%) | $440,000 (+11.96%) Land $134,800 Building $305,200 | $440,000 (+11.96%) Land $134,800 Building $305,200 |
| 2024 | $9,094.00 (+10.12%) | ||
| 2023 | $393,000 Land $134,800 Building $258,200 | $393,000 Land $134,800 Building $258,200 | |
| 2022 | $8,258.00 |
Source: FEMA National Flood Hazard Layer as of December 16, 2021 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 572 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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