451 Catherine St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 451 Catherine St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,509 sqft · built 1860
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Oct 2020)
Tax Bill	$14,338 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-00082-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`18-00082-0000-00001`
Alternative APN	`180008200001`

Interior

Stories	2 Stories
Building Area	1,509 sqft Living Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	451 CATHERINE ST
City	SOMERVILLE
State	NJ
Zip	08876-2006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	82
Legal Lot Number	1
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	4
Census Block	4011
Census Tract	50300

Owner

451 Catherine St is owned and occupied by two individuals who bought it in October 2020.

Source: Somerset County and Somerville Borough records, as of October 13, 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	2 Individual Names on File
Mailing Address	451 CATHERINE ST, SOMERVILLE, NJ 08876-2006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Oct 14, 2020	Deed, Transfer · Conventional Mortgage NATION ONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2020 · Amount on File
Deed Sale	Oct 14, 2020 · Amount on File
Prior Sale	May 10, 2016 · Amount on File
Deed Document Number	202049635
Deed Book / Page	7260 / 2459
Prior Transfer Date	Apr 14, 2016
Prior Transfer Doc	0000014049
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	451 CATHERINE ST, SOMERVILLE, NJ 08876-2006
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034918
Date	Dec 10, 2025
Book Page	7654/2703
Instrument	2025034918

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Oct 14, 2020
Property Address	451 CATHERINE ST, SOMERVILLE, NJ 08876-2006
Document Number	0000049635
Book / Page	7260 / 2459
Instrument Date	Sep 22, 2020
Instrument	2020049635
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	PLS TITLE & SETTLEMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,455.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	214 CHESTERFIELD JACOBSTOWN RD, 214, WRIGHTSTOWN, NJ 08562-1920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 CATHERINE ST, SOMERVILLE, NJ 08876-2006

Mortgage

Document Number	0000049636
Date	Oct 14, 2020
Instrument	2020049636

Lender

Name	NATION ONE MORTGAGE
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 451 Catherine St was $14,338, up 3.2% from the year before.

Source: Somerset County and Somerville Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
Municipality	Somerville Borough
Unified School District	Somerville Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$351,500 (-) Land $125,600 Building $225,900	$351,500 (-) Land $125,600 Building $225,900
2025	$14,338.00 (+3.2%)	$351,500 Land $125,600 Building $225,900	$351,500 Land $125,600 Building $225,900
2024	$13,894.00
2023		$351,500 Land $125,600 Building $225,900	$351,500 Land $125,600 Building $225,900
2022	$13,219.00

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

Flood

FEMA maps place 451 Catherine St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 451 Catherine St is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	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 386 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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