520 4th St, Dunellen, NJ 08812 Property Records

Middlesex County and Dunellen Borough property record for 520 4th St, Dunellen, NJ 08812

Property Summary

Property Type	Single Family Home
Details	1,800 sqft · built 1946
Lot Size	0.258 acres (11,252 sqft)
Owner	2 Individual Names on Record
Last Sale	$347,500 (Jul 2019)
Tax Bill	$12,152 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00040-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`03-00040-0000-00026`
Alternative APN	`030004000026`

Interior

Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Construction Type	Frame
Lot Area	11,252 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide

Location & Zoning

Street Address	520 4TH ST
City	DUNELLEN
State	NJ
Zip	08812-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	75X150
Legal Subdivision	DUNELLEN
Legal Block	40
Legal Lot Number	26
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	DUNELLEN
Census Block Group	3
Census Block	3001
Census Tract	300

Owner

Source: Middlesex County and Dunellen Borough records, as of June 30, 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	520 4TH ST, DUNELLEN, NJ 08812-1124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 2, 2019	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Feb 16, 2010 · Amount on Record
Deed Document Number	201950943
Deed Book / Page	17542 / 427
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	520 4TH ST, DUNELLEN, NJ 08812-1124
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011205
Date	Feb 20, 2026
Book Page	19954/1979
Instrument	2026011205

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Mar 9, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	520 4TH ST, DUNELLEN, NJ 08812-1124
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005698
Date	Jan 12, 2022
Book Page	18785/1932
Instrument	2022005698

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Jul 2, 2019
Property Address	520 4TH ST, DUNELLEN, NJ 08812-1124
Document Number	2019050943
Book / Page	17542 / 0427
Map Reference	MAP 72 FILE 72
Instrument Date	Jun 27, 2019
Instrument	2019050943
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	CLEARPOINT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,085.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 HIGH ST, 310, DUNELLEN, NJ 08812-1518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 4TH ST, DUNELLEN, NJ 08812-1124

Mortgage

Document Number	2019050944
Date	Jul 2, 2019
Instrument	2019050944

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Middlesex County and Dunellen Borough assessment roll, as of June 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$496,700 (+0.06%) Land $118,500 Building $378,200	$496,700 (+0.06%) Land $118,500 Building $378,200
2025	$12,152.00 (-1.79%)	$496,400 (+25.77%) Land $118,500 Building $377,900	$496,400 (+25.77%) Land $118,500 Building $377,900
2024	$12,374.00 (+13.55%)
2023		$394,700 Land $118,500 Building $276,200	$394,700 Land $118,500 Building $276,200
2022	$10,897.00

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 December 16, 2021 · 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 18 individual policies
Nearby Flood Policies	20 units insured incl. 2 condo units
Nearby Flood Claims	49 (1996–2025)
Claims Outside the SFHA	7 of 49
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 10 claims Hurricane Irene, Aug 2011 · 10 claims Severe Storms And Flooding, Mar 2010 · 12 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	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 665 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, Xfinity.

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