524 Melrose Ave, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 524 Melrose Ave, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,572 sqft · built 1951
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Jan 2000)
Tax Bill	$11,119 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`10-00321-0000-00022`

Property Details

APN / Parcel Number

Primary APN	`10-00321-0000-00022`
Alternative APN	`100032100022`

Interior

Stories	1 Story
Building Area	1,572 sqft Living Area
1st Floor Area	1,572 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Location & Zoning

Street Address	524 MELROSE AVE
City	MIDDLESEX
State	NJ
Zip	08846-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60A
Legal Description	60X100 23-24
Legal Block	321
Legal Lot Number	22
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	2
Census Block	2029
Census Tract	102

Owner

Source: Middlesex County and Middlesex 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	524 MELROSE AVE, MIDDLESEX, NJ 08846-2342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit MERCK EMPS FEDERAL CREDIT UNION
Nov 8, 2017	Intrafamily Transfer, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2000 · Amount on Record
Deed Sale	Jan 27, 2000 · Amount on Record
Deed Book / Page	4737 / 529
Last Transfer Date	Oct 19, 2017
Transfer Doc	0000001822
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	May 29, 2026
Property Address	524 MELROSE AVE, MIDDLESEX, NJ 08846-2342
Document Number	0000033920
Book / Page	20035 / 459
Instrument Date	May 21, 2026
Instrument	202633920
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 MELROSE AVE, MIDDLESEX, NJ 08846-2342
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033920,
Date	May 29, 2026
Book Page	20035/459
Instrument	202633920

Lender

Name	MERCK EMPS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 30, 2066

Interest

Rate	6.23%
Max Rate	-1%

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDDLESEX NJ
Recording Date	Nov 8, 2017
Property Address	524 MELROSE AVE, MIDDLESEX, NJ 08846-2342
Document Number	201700001822
Book / Page	17004 / 1695
Instrument Date	Oct 19, 2017
Instrument	201700001822
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	524 MELROSE AVE, 524, MIDDLESEX, NJ 08846-2342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 MELROSE AVE, MIDDLESEX, NJ 08846-2342

Mortgage

Document Number	201700001823
Date	Nov 8, 2017
Instrument	201700001823

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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		$566,500 (+8.01%) Land $136,600 Building $429,900	$566,500 (+8.01%) Land $136,600 Building $429,900
2025	$11,119.00 (+11.95%)	$524,500 (+22.2%) Land $136,600 Building $387,900	$524,500 (+22.2%) Land $136,600 Building $387,900
2024	$9,932.00 (+15.29%)
2023		$429,200 Land $136,600 Building $292,600	$429,200 Land $136,600 Building $292,600
2022	$8,615.00

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 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 Record 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

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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