45 Louis Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 45 Louis Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,712 sqft · built 1952
Lot Size	0.129 acres (5,624 sqft)
Owner	2 Individual Names on File
Last Sale	$293,500 (Aug 2008)
Tax Bill	$10,127 (2025)
Deeds & Mortgages	Feb 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`10-00076-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`10-00076-0000-00008`
Alternative APN	`100007600008`

Interior

Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,712 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	5,624 sqft (0.129 acres)
Lot Dimensions	108 ft deep x 8 ft wide
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	45 LOUIS AVE
City	MIDDLESEX
State	NJ
Zip	08846-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-75
Legal Description	52.08X108
Legal Subdivision	FOOTHILL ACRES SEC 02
Legal Block	76
Legal Lot Number	8
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	1
Census Block	1006
Census Tract	101

Owner

45 Louis Ave is owned and occupied by two individuals who bought it in August 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 LOUIS AVE, MIDDLESEX, NJ 08846-1325
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2008 · Amount on File
Deed Sale	Aug 22, 2008 · Amount on File
Deed Document Number	200810187
Deed Book / Page	5977 / 633
Record Updated	Oct 29, 2026

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIDDLESEX NJ
Property Address	45 LOUIS AVE, MIDDLESEX, NJ 08846-1325
Document Number	0000020068
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Mar 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LOUIS AVE MIDDLESEX NJ 088461325, MIDDLESEX, NJ 08846-1325

Mortgage

Document Number	0000020068
Date	Mar 13, 2018
Book Page	017109/000063
Instrument	20068

Lender

Name	BANK OF AMERICA/IL
Type	Bank
Address	BROOMFIELD, CO 80021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2048

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 45 Louis Ave was $10,127, up 7.8% 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		$503,200 (+5.34%) Land $145,700 Building $357,500	$503,200 (+5.34%) Land $145,700 Building $357,500
2025	$10,127.00 (+7.85%)	$477,700 Land $145,700 Building $332,000	$477,700 Land $145,700 Building $332,000
2024	$9,390.00
2023		$405,800 Land $145,700 Building $260,100	$405,800 Land $145,700 Building $260,100
2022	$8,160.00

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

Flood

FEMA maps place 45 Louis Ave in Zone X, an area of minimal 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 minimal risk
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 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	12 (2011–2025)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 5 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 45 Louis Ave 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 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 293 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20