46 Duncan Ln, Skillman, NJ 08558 Property Records

Somerset County and Montgomery Township property record for 46 Duncan Ln, Skillman, NJ 08558

Property Summary

Property Type	Single Family Home
Details	3,924 sqft · built 1980
Lot Size	2.99 acres (130,288 sqft)
Owner	2 Individual Names on Record
Last Sale	$999,999 (Aug 2018)
Tax Bill	$32,718 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-31001-0000-00050`

Property Details

APN / Parcel Number

Primary APN	`13-31001-0000-00050`
Alternative APNs	`133100100050` `00002641`

Interior

Stories	2 Stories
Building Area	3,924 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	130,288 sqft
Garage Type	Attached

Location & Zoning

Account Number	00002641
Street Address	46 DUNCAN LN
City	SKILLMAN
State	NJ
Zip	08558-2313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	BEDENS BROOK SEC 12
Legal Block	31001
Legal Lot Number	50
Jurisdiction	SOMERSET NJ
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1007
Census Tract	54201

Owner

Source: Somerset County and Montgomery Township records, as of July 7, 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 Record
Mailing Address	46 DUNCAN LN, SKILLMAN, NJ 08558-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 2, 2019	Deed of Trust, Mortgage · ARM CARRINGTON MORTGAGE SERVICES LLC
Aug 30, 2018	Deed, Transfer · SBA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2018 · Amount on Record
Deed Sale	Aug 30, 2018 · Amount on Record
Prior Sale	Apr 25, 2002 · Amount on Record
Deed Document Number	201833267
Deed Book / Page	7068 / 696
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	46 DUNCAN LN, SKILLMAN, NJ 08558-2313
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 DUNCAN LN, SKILLMAN, NJ 08558-2313

Mortgage

Document Number	0000019968
Date	Aug 4, 2023
Book Page	7517/3648
Instrument	2023019968

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	46 DUNCAN LN, SKILLMAN, NJ 08558-2313
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023685
Date	Apr 13, 2021
Book Page	7331/1060
Instrument	2021023685

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	46 DUNCAN LN, SKILLMAN, NJ 08558-2313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019236
Date	May 11, 2020
Book Page	7210/474
Instrument	2020019236

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	11.1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	46 DUNCAN LN, SKILLMAN, NJ 08558-2313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023120
Date	Jul 2, 2019
Book Page	7128/1497
Instrument	2019023120

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	11.1%

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Aug 30, 2018
Property Address	46 DUNCAN LN, SKILLMAN, NJ 08558-2313
Document Number	0000033267
Book / Page	7068 / 0696
Instrument Date	Aug 21, 2018
Instrument	2018033267
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 DUNCAN LN, SKILLMAN, NJ 08558-2313

Mortgage

Document Number	0000033268
Date	Aug 30, 2018
Instrument	2018033268

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	8.5%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	8.5%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Margin	5
Max Rate	13.5%

Tax Assessment & Valuation

Source: Somerset County and Montgomery Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
County Subdivision	Montgomery Township
Unified School District	Montgomery Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$937,200 (-) Land $435,700 Building $501,500	$937,200 (-) Land $435,700 Building $501,500
2025	$32,718.00 (+1.84%)	$937,200 (-) Land $435,700 Building $501,500	$937,200 (-) Land $435,700 Building $501,500
2024	$32,127.00 (+6.36%)
2023		$937,200 Land $435,700 Building $501,500	$937,200 Land $435,700 Building $501,500
2022	$30,205.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	16 (1997–2021)
Claims Outside the SFHA	16 of 16
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 6 claims Hurricane Irene, Aug 2011 · 4 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

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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