515 Melrose Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 515 Melrose Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,584 sqft · built 1955
Lot Size	0.281 acres (12,249 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Nov 2012)
Tax Bill	$10,890 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`10-00320-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`10-00320-0000-00019`
Alternative APN	`100032000019`

Interior

Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Lot Area	12,249 sqft (0.281 acres)
Lot Dimensions	175 ft deep x 70 ft wide

Location & Zoning

Street Address	515 MELROSE AVE
City	MIDDLESEX
State	NJ
Zip	08846-2343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	70X175 20-22 30-A-33
Legal Subdivision	CREIGHTON MANOR
Legal Block	320
Legal Lot Number	19
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	2
Census Block	2028
Census Tract	102

Owner

515 Melrose Ave is owned and occupied by two individuals who acquired it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	515 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
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit LAKELAND BANK
Jan 25, 2021	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 20, 2020	Loan Modification, Mortgage · Conventional Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2012 · Amount on File
Deed Sale	Nov 27, 2012 · Amount on File
Prior Sale	Sep 27, 2005 · Amount on File
Deed Document Number	2012384
Deed Book / Page	1102 / 710
Last Transfer Date	Nov 14, 2019
Transfer Doc	2019097214
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	515 MELROSE AVE, MIDDLESEX, NJ 08846-2343
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	SEARCHTEC INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047720
Date	Aug 15, 2023
Book Page	19276/1175
Instrument	2023047720

Lender

Name	LAKELAND BANK
Type	Bank
Address	OAK RIDGE, NJ 07438

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	515 MELROSE AVE, MIDDLESEX, NJ 08846-2343
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MELROSE AVE, MIDDLESEX, NJ 08846-2343

Mortgage

Document Number	0000011779
Date	Jan 25, 2021
Book Page	18251/1315
Instrument	2021011779

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Oct 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	515 MELROSE AVE, MIDDLESEX, NJ 08846-2343
Document Number	0000005663
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	LEMONBREW ABSTRACT LLC, LEMONBREW ABS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	515 MELROSE AVE MIDDLESEX NJ 088462343, MIDDLESEX, NJ 08846-2343

Mortgage

Document Number	0000005663
Date	Jan 12, 2021
Book Page	018230/000405
Instrument	5663

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2051

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIDDLESEX NJ
Property Address	515 MELROSE AVE, MIDDLESEX, NJ 08846-2343
Document Number	0000011783
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MELROSE AVE MIDDLESEX NJ 088462343, MIDDLESEX, NJ 08846-2343

Mortgage

Document Number	0000011783
Date	Jan 25, 2021
Book Page	018251/001332
Instrument	11783

Lender

Name	PLANET HM LNDG
Address	ROCHESTER, NY 14626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2051

Interest

Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 515 Melrose Ave was $10,890, up 10.4% 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		$513,700 (-) Land $159,200 Building $354,500	$513,700 (-) Land $159,200 Building $354,500
2025	$10,890.00 (+10.37%)	$513,700 Land $159,200 Building $354,500	$513,700 Land $159,200 Building $354,500
2024	$9,867.00
2023		$426,400 Land $159,200 Building $267,200	$426,400 Land $159,200 Building $267,200
2022	$9,515.00

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

Flood

FEMA maps place 515 Melrose Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 515 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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