538 Central Ave, Bound Brook, NJ 08805 Property Records

Somerset County and Bound Brook Borough property record for 538 Central Ave, Bound Brook, NJ 08805

Property Summary

Property Type	Single Family Home
Details	1,712 sqft · built 1928
Lot Size	0.294 acres (12,807 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Jun 2004)
Tax Bill	$10,598 (2025)
Deeds & Mortgages	May 2020 Line of Credit Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-00087-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`04-00087-0000-00017`
Alternative APN	`040008700017`

Interior

Stories	2 Stories
Building Area	1,712 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Frame
Lot Area	12,807 sqft (0.294 acres)
Lot Dimensions	197 ft deep x 65 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	538 CENTRAL AVE
City	BOUND BROOK
State	NJ
Zip	08805-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	CENTRAL AVE
Legal Block	87
Legal Lot Number	17
Jurisdiction	SOMERSET NJ
Township / Civil Division	BOUND BROOK
Census Block Group	1
Census Block	1017
Census Tract	51300

Owner

538 Central Ave is owned and occupied by an individual who bought it in June 2004.

Source: Somerset County and Bound Brook Borough records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	538 CENTRAL AVE, BOUND BROOK, NJ 08805-1733
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
May 6, 2020	Deed of Trust, Mortgage · Line of Credit VAST BANK NA
Aug 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2004 · Amount on File
Deed Sale	Jun 7, 2004 · Amount on File
Prior Sale	Jan 17, 2003 · Amount on File
Deed Book / Page	5597 / 2313
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	538 CENTRAL AVE, BOUND BROOK, NJ 08805-1733
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 CENTRAL AVE, BOUND BROOK, NJ 08805-1733

Mortgage

Document Number	0000018588
Date	May 6, 2020
Book Page	7209/424
Instrument	2020018588

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	538 CENTRAL AVE, BOUND BROOK, NJ 08805-1733
Document Number	0000029846
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 CENTRAL AVE BOUND BROOK NJ 088051733, BOUND BROOK, NJ 08805-1733

Mortgage

Document Number	0000029846
Date	Aug 15, 2019
Book Page	007142/000295
Instrument	29846

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 538 Central Ave was $10,598, up 2.9% from the year before.

Source: Somerset County and Bound Brook Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
Municipality	Bound Brook Borough
Unified School District	Bound Brook Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$508,400 (+5.87%) Land $274,500 Building $233,900	$508,400 (+5.87%) Land $274,500 Building $233,900
2025	$10,598.00 (+2.91%)	$480,200 Land $249,500 Building $230,700	$480,200 Land $249,500 Building $230,700
2024	$10,298.00
2023		$418,600 Land $199,500 Building $219,100	$418,600 Land $199,500 Building $219,100
2022	$9,529.00

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

Flood

FEMA maps place 538 Central Ave in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective September 3, 2025 · 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
Nearby Flood Policies	7 in force
Nearby Flood Claims	14 (1999–2021)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 4 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 538 Central Ave is low, with 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 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 527 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

May also be available: AT&T.

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