Middlesex County and Helmetta Borough property record for 45 Lake Ave, Helmetta, NJ 08828
| Property Type | Single Family Home |
|---|---|
| Details | 1,656 sqft · built 1910 |
| Lot Size | 0.525 acres (22,873 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Nov 2025) |
| Tax Bill | $8,086 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Nov 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-00021-01-00004 |
| Primary APN | 06-00021-01-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,656 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 22,873 sqft (0.525 acres) |
| Lot Dimensions | 183 ft deep x 125 ft wide |
| Old Parcel Number | 0600021000000004 |
|---|---|
| Street Address | 45 LAKE AVE |
| City | HELMETTA |
| State | NJ |
| Zip | 08828-1115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | 125X183 |
| Legal Block | 21.1 |
| Legal Lot Number | 4 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | HELMETTA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 8103 |
45 Lake Ave is owned and occupied by an individual who bought it in November 2025.
Source: Middlesex County and Helmetta Borough records, as of June 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 LAKE AVE, HELMETTA, NJ 08828-1115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC |
| Nov 6, 2025 | Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2025 · Amount on File |
| Deed Sale | Nov 6, 2025 · Amount on File |
| Deed Document Number | 202567558 |
| Deed Book / Page | 19868 / 672 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Apr 10, 2026 |
| Property Address | 45 LAKE AVE, HELMETTA, NJ 08828-1115 |
| Document Number | 0000023070 |
| Book / Page | 19996 / 25 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202623070 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 45 LAKE AVE, HELMETTA, NJ 08828-1115 |
| Document Number | 0000023070, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 19996/25 |
| Instrument | 202623070 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Nov 6, 2025 |
| Property Address | 45 LAKE AVE, HELMETTA, NJ 08828-1115 |
| Document Number | 0000067558 |
| Book / Page | 19868 / 672 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 2025067558 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,495.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 SOUTH DR, EAST WINDSOR, NJ 08520-1914 |
| Name | Verified Name |
|---|---|
| Address | 45 LAKE AVE, HELMETTA, NJ 08828-1115 |
| Document Number | 0000067559 |
|---|---|
| Date | Nov 6, 2025 |
| Instrument | 2025067559 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
The 2025 property tax bill for 45 Lake Ave was $8,086, up 5.1% from the year before.
Source: Middlesex County and Helmetta Borough assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Helmetta Borough |
| Unified School District | Spotswood Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $234,300 (-) Land $156,300 Building $78,000 | $234,300 (-) Land $156,300 Building $78,000 | |
| 2025 | $8,086.00 (+5.15%) Veteran's exemption | $234,300 Land $156,300 Building $78,000 | $234,300 Land $156,300 Building $78,000 |
| 2024 | $7,690.00 | ||
| 2023 | $234,300 Land $156,300 Building $78,000 | $234,300 Land $156,300 Building $78,000 | |
| 2022 | $7,324.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Lake Ave in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Aug 2021 · river or lake flooding |
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 risk around 45 Lake Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 59% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HELMETTA WATER DEPT serves 2,000 people · EPA ID NJ1206001 |
|---|---|
| Water Source | Purchased surface water from EAST BRUNSWICK WATER UTILITY |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures