538 Locust Rd, Flemington, NJ 08822 Property Records

Hunterdon County and Readington Township property record for 538 Locust Rd, Flemington, NJ 08822

Property Summary

Property Type	Single Family Home
Details	3,358 sqft · built 1996
Lot Size	3.6 acres (156,816 sqft)
Owner	2 Individual Names on Record
Last Sale	$855,000 (Jul 2022)
Tax Bill	$17,384 (2025)
Deeds & Mortgages	May 2025 Line of Credit Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-00075-0000-00038-01`

Property Details

APN / Parcel Number

Primary APN	`22-00075-0000-00038-01`
Alternative APNs	`220007500000003801Q0561` `22000750000000380001`

Interior

Building Area	3,358 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	156,816 sqft

Location & Zoning

Old Parcel Number	220007500000003801Q0561
Street Address	538 LOCUST RD
City	FLEMINGTON
State	NJ
Zip	08822-7123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Block	75
Legal Lot Number	38.1
Jurisdiction	HUNTERDON NJ
Township / Civil Division	READINGTON
Census Block Group	1
Census Block	1021
Census Tract	11202

Owner

Source: Hunterdon County and Readington Township records, as of June 29, 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	538 LOCUST RD, FLEMINGTON, NJ 08822-7123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2025	Deed of Trust, Mortgage · Line of Credit AFFINITY FCU
Jul 27, 2022	Deed, Transfer · Conventional Mortgage AFFINITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Jul 19, 1995 · Amount on Record
Deed Document Number	2022165310
Deed Book / Page	2573 / 519
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNTERDON NJ
Property Address	538 LOCUST RD, FLEMINGTON, NJ 08822-7123
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	20250506000081910
Date	May 6, 2025
Book Page	4624/783
Instrument	20250506000081910

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BEDMINSTER, NJ 07921

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HUNTERDON NJ
Recording Date	Jul 27, 2022
Property Address	538 LOCUST RD, FLEMINGTON, NJ 08822-7123
Document Number	20220727000165310
Book / Page	2573 / 519
Instrument Date	Jul 20, 2022
Instrument	20220727000165310
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,761.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 CENTERVILLE RD, WHITEHOUSE STATION, NJ 08889-3937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LOCUST RD, FLEMINGTON, NJ 08822-7123

Mortgage

Document Number	20220727000165320
Date	Jul 27, 2022
Instrument	20220727000165320

Lender

Name	AFFINITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Aug 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.37%
Index	Other
Margin	3
Max Rate	9.37%

Tax Assessment & Valuation

Source: Hunterdon County and Readington Township assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Hunterdon County
County Subdivision	Readington Township
Secondary School District	Hunterdon Central Regional School District (09 - 12)
Elementary School District	Readington Township School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$621,300 (-) Land $148,000 Building $473,300	$621,300 (-) Land $148,000 Building $473,300
2025	$17,384.00 (+6.76%)	$621,300 (-) Land $148,000 Building $473,300	$621,300 (-) Land $148,000 Building $473,300
2024	$16,284.00 (+3.52%)
2023		$621,300 Land $148,000 Building $473,300	$621,300 Land $148,000 Building $473,300
2022	$15,731.00

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 July 26, 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1984–2021)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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