522 Smith St, Perth Amboy, NJ 08861 Property Records

Middlesex County and Perth Amboy City property record for 522 Smith St, Perth Amboy, NJ 08861

Property Summary

Property Type	Store with Apartments
Details	4,880 sqft · built 1910
Lot Size	0.151 acres (6,573 sqft)
Owner	2 Individual Names on Record
Tax Bill	$19,984 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-00100-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`16-00100-0000-00002`
Alternative APN	`160010000002`

Interior

Stories	2 Stories
Building Area	4,880 sqft Total Area
Gross Area	4,968 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1985
Exterior Material	Brick
Lot Area	6,573 sqft (0.151 acres)
Lot Dimensions	124 ft deep x 53 ft wide

Location & Zoning

Street Address	522 SMITH ST
City	PERTH AMBOY
State	NJ
Zip	08861-3714
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Local Zoning Code	S-1A
Legal Description	53X124
Legal Block	100
Legal Lot Number	2
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	PERTH AMBOY
Census Block Group	1
Census Block	1009
Census Tract	4800

Owner

Source: Middlesex County and Perth Amboy City records, as of June 30, 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 Record
Mailing Address	1113 NC 39 HWY S, LOUISBURG, NC 27549-6701
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	522 SMITH ST, PERTH AMBOY, NJ 08861-3714
Document Number	0000100044
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	522 SMITH ST PERTH AMBOY NJ 088613714, PERTH AMBOY, NJ 08861-3714

Mortgage

Document Number	0000100044
Date	Nov 21, 2018
Book Page	017356/000579
Instrument	100044

Lender

Name	WELLS FARGO BK
Type	Bank
Address	PHOENIX, AZ 85003

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Perth Amboy City assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
Municipality	Perth Amboy City
Unified School District	Perth Amboy City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$607,800 (-) Land $165,700 Building $442,100	$607,800 (-) Land $165,700 Building $442,100
2025	$19,984.00 (-3.56%)	$607,800 (-8.28%) Land $165,700 Building $442,100	$607,800 (-8.28%) Land $165,700 Building $442,100
2024	$20,722.00 (+1.13%)
2023		$662,700 Land $165,700 Building $497,000	$662,700 Land $165,700 Building $497,000
2022	$20,490.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	PERTH AMBOY WATER DEPARTMENT serves 52,328 people · EPA ID NJ1216001
Water Source	Purchased surface water from MIDDLESEX WATER COMPANY
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Gross alpha radiation not recorded as resolved · Jan 2026 Total trihalomethanes resolved · Jul 2019
Treatment and Procedure	Corrosion control Jul 2018
Monitoring and Reporting	4 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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