509 Melrose Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 509 Melrose Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,372 sqft · built 1955
Lot Size	0.276 acres (12,001 sqft)
Owner	2 Individual Names on File
Last Sale	$338,000 (Nov 2020)
Tax Bill	$8,766 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`10-00320-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`10-00320-0000-00012`
Alternative APN	`100032000012`

Interior

Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	12,001 sqft (0.276 acres)
Lot Dimensions	200 ft deep x 60 ft wide

Location & Zoning

Street Address	509 MELROSE AVE
City	MIDDLESEX
State	NJ
Zip	08846-2343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	60X200 13-14 38-40
Legal Subdivision	CREIGHTON MANOR
Legal Block	320
Legal Lot Number	12
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	2
Census Block	2028
Census Tract	102

Owner

509 Melrose Ave is owned and occupied by two individuals who bought it in November 2020.

Source: Middlesex County and Middlesex Borough records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	509 MELROSE AVE, MIDDLESEX, NJ 08846-2343
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

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Line of Credit POLICE AND FIRE FEDERAL CREDIT UNION
Nov 13, 2020	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2020 · Amount on File
Deed Sale	Nov 13, 2020 · Amount on File
Prior Sale	Feb 28, 1984
Deed Document Number	2020114516
Deed Book / Page	18128 / 1849
Prior Transfer Date	Nov 14, 2019
Prior Transfer Doc	0000097214
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	Oct 6, 2026
Property Address	509 MELROSE AVE, MIDDLESEX, NJ 08846-2343
Document Number	0000064481
Book / Page	20147 / 1538
Instrument Date	Sep 16, 2026
Instrument	202664481
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MELROSE AVE, MIDDLESEX, NJ 08846-2343

Mortgage

Document Number	0000064481,
Date	Oct 6, 2026
Book Page	20147/1538
Instrument	202664481

Lender

Name	POLICE AND FIRE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 27, 2046

Interest

Max Rate	-1%

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Nov 13, 2020
Property Address	509 MELROSE AVE, MIDDLESEX, NJ 08846-2343
Document Number	2020114516
Book / Page	18128 / 1849
Instrument Date	Sep 21, 2020
Instrument	2020114516
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	TITLE MASTERS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,011.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 CARLTON CLUB DR, 136, PISCATAWAY, NJ 08854-3116

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	509 MELROSE AVE, MIDDLESEX, NJ 08846-2343

Mortgage

Document Number	2020114517
Date	Nov 13, 2020
Instrument	2020114517

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Nov 15, 2019
Property Address	509 MELROSE AVE, MIDDLESEX, NJ 08846-2343
Document Number	0000097214
Book / Page	017690 / 001037
Instrument Date	Nov 14, 2019
Instrument	97214
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	509 MELROSE AVE MIDDLESEX NJ 088462343, MIDDLESEX, NJ 08846-2343

Tax Assessment & Valuation

The 2025 property tax bill for 509 Melrose Ave was $8,766, down 12% 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		$454,900 (+10.01%) Land $159,200 Building $295,700	$454,900 (+10.01%) Land $159,200 Building $295,700
2025	$8,766.00 (-12.04%)	$413,500 Land $159,200 Building $254,300	$413,500 Land $159,200 Building $254,300
2024	$9,966.00
2023		$430,700 Land $159,200 Building $271,500	$430,700 Land $159,200 Building $271,500
2022	$9,445.00

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

Flood

FEMA maps place 509 Melrose Ave in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	16 (1999–2021)
Claims Outside the SFHA	11 of 16
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 11 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

Wildfire risk around 509 Melrose 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 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 607 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

May also be available: T-Mobile.

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