540 Chestnut St, Middlesex, NJ 08846 Property Records

Middlesex County and Middlesex Borough property record for 540 Chestnut St, Middlesex, NJ 08846

Property Summary

Property Type	Single Family Home
Details	1,092 sqft · built 1955
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,171 (2025)
Deeds & Mortgages	Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00147-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`10-00147-0000-00018`
Alternative APN	`100014700018`

Interior

Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide

Location & Zoning

Street Address	540 CHESTNUT ST
City	MIDDLESEX
State	NJ
Zip	08846-1757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-75
Legal Description	100X100 19-21
Legal Subdivision	RAY V PIERCE MAP 2
Legal Block	147
Legal Lot Number	18
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MIDDLESEX
Census Block Group	3
Census Block	3028
Census Tract	102

Owner

Source: Middlesex County and Middlesex Borough assessment roll, 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 File
Mailing Address	540 CHESTNUT ST, MIDDLESEX, NJ 08846-1757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	540 CHESTNUT ST, MIDDLESEX, NJ 08846-1757
Document Number	0000010937
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	AMERICAN ABSTRACT CORPORATION, AMERICAN ABSTRACT AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHESTNUT ST MIDDLESEX NJ 088461757, MIDDLESEX, NJ 08846-1757

Mortgage

Document Number	0000010937
Date	May 2, 2017
Book Page	016757/000408
Instrument	10937

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 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		$475,500 (+7%) Land $148,000 Building $327,500	$475,500 (+7%) Land $148,000 Building $327,500
2025	$9,171.00 (+17.79%) Widower's exemption	$444,400 (+27.96%) Land $148,000 Building $296,400	$444,400 (+27.96%) Land $148,000 Building $296,400
2024	$7,786.00 (+3.07%)
2023		$347,300 Land $148,000 Building $199,300	$347,300 Land $148,000 Building $199,300
2022	$7,554.00

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 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	10 (2011–2024)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 5 claims Hurricane Irene, Aug 2011 · 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	Not rated no burnable land within ember reach

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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications 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