Middlesex County and Middlesex Borough property record for 445 Howard Ave, Middlesex, NJ 08846 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1,080 sqft · built 1948 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,657 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00199-0000-00021-01 |
| Primary APN | 10-00199-0000-00021-01 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Street Address | 445 HOWARD AVE |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-2016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 50X100 22-24-A |
| Legal Subdivision | WATCHUNG ESTATES |
| Legal Block | 199 |
| Legal Lot Number | 21.1 |
| 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 10-00199-0000-00021-01
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 | Individual Name on File |
|---|---|
| Mailing Address | 445 HOWARD AVE, MIDDLESEX, NJ 08846-2016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 28, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 445 HOWARD AVE, MIDDLESEX, NJ 08846-2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2026 |
| Title Company | UNKNOWN, TITLE365 COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000078099 |
|---|---|
| Date | Dec 17, 2025 |
| Book Page | 19906/1211 |
| Instrument | 2025078099 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 08, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 445 HOWARD AVE, MIDDLESEX, NJ 08846-2016 |
| Document Number | 0000013296 |
| Instrument Date | Oct 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 445 HOWARD AVE MIDDLESEX NJ 088462016, MIDDLESEX, NJ 08846-2016 |
| Document Number | 0000013296 |
|---|---|
| Date | Dec 20, 2017 |
| Book Page | 017040/000233 |
| Instrument | 13296 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $487,400 (+7%) Land $134,800 Building $352,600 | $487,400 (+7%) Land $134,800 Building $352,600 | |
| 2025 | $9,657.00 (+19.86%) | $455,500 (+30.82%) Land $134,800 Building $320,700 | $455,500 (+30.82%) Land $134,800 Building $320,700 |
| 2024 | $8,057.00 (+11.9%) | ||
| 2023 | $348,200 Land $134,800 Building $213,400 | $348,200 Land $134,800 Building $213,400 | |
| 2022 | $7,200.00 |
Source: FEMA National Flood Hazard Layer, Middlesex County (34023C), updated December 16, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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