Middlesex County and Middlesex Borough property record for 540 Cook Ave, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 1,092 sqft · built 1953 |
| Lot Size | 0.24 acres (10,459 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Mar 2023) |
| Tax Bill | $9,137 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jun 2018 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00300-0000-00021 |
| Primary APN | 10-00300-0000-00021 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 10,459 sqft (0.24 acres) |
| Lot Dimensions | 100 ft deep x 6 ft wide |
| Street Address | 540 COOK AVE |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-2401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R50 |
| Legal Description | 104.6X100 22-23 |
| Legal Block | 300 |
| Legal Lot Number | 21 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 200 |
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 | 540 COOK AVE, MIDDLESEX, NJ 08846-2401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2023 | Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 20, 2018 | Loan Modification, Mortgage · FHA Mortgage M&T BK |
| Jan 30, 2016 | Loan Modification, Mortgage · FHA Mortgage M&T BK |
| Jan 30, 2016 | Loan Modification, Mortgage · FHA Mortgage M&T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2023 · Amount on Record |
| Deed Sale | Mar 16, 2023 · Amount on Record |
| Prior Sale | Jun 19, 2014 · Amount on Record |
| Deed Document Number | 202315974 |
| Deed Book / Page | 19171 / 1808 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Mar 16, 2023 |
| Property Address | 540 COOK AVE, MIDDLESEX, NJ 08846-2401 |
| Document Number | 0000015974 |
| Book / Page | 19171 / 1808 |
| Instrument Date | Feb 27, 2023 |
| Instrument | 2023015974 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2023 |
| Title Company | FOUNDATION TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,215.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 COOK AVE, MIDDLESEX, NJ 08846-2401 |
| Name | Verified Name |
|---|---|
| Address | 540 COOK AVE, MIDDLESEX, NJ 08846-2401 |
| Document Number | 0000015975 |
|---|---|
| Date | Mar 16, 2023 |
| Book Page | 19171/1814 |
| Instrument | 2023015975 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 540 COOK AVE, MIDDLESEX, NJ 08846-2401 |
| Document Number | 0000056678 |
| Instrument Date | Jun 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 540 COOK AVE MIDDLESEX NJ 088462401, MIDDLESEX, NJ 08846-2401 |
| Document Number | 0000056678 |
|---|---|
| Date | Jun 27, 2018 |
| Book Page | 017220/000845 |
| Instrument | 56678 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 26, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 540 COOK AVE, MIDDLESEX, NJ 08846-2401 |
| Document Number | 0000000029 |
| Book / Page | 000243 / 000483 |
| Instrument Date | Jan 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 540 COOK AVE MIDDLESEX NJ 088462401, MIDDLESEX, NJ 08846-2401 |
| Document Number | 0000000029 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 000243/000483 |
| Instrument | 29 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 540 COOK AVE, MIDDLESEX, NJ 08846-2401 |
| Document Number | 0000030651 |
| Instrument Date | Jan 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 540 COOK AVE MIDDLESEX NJ 088462401, MIDDLESEX, NJ 08846-2401 |
| Document Number | 0000030651 |
|---|---|
| Date | Apr 6, 2018 |
| Book Page | 017141/000924 |
| Instrument | 30651 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Apr 5, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Middlesex County and Middlesex Borough assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Middlesex Borough |
| Unified School District | Middlesex Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $450,200 (+4.45%) Land $145,600 Building $304,600 | $450,200 (+4.45%) Land $145,600 Building $304,600 | |
| 2025 | $9,137.00 (+11.55%) | $431,000 (+21.75%) Land $145,600 Building $285,400 | $431,000 (+21.75%) Land $145,600 Building $285,400 |
| 2024 | $8,191.00 (+3.53%) | ||
| 2023 | $354,000 Land $145,600 Building $208,400 | $354,000 Land $145,600 Building $208,400 | |
| 2022 | $7,912.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (1978–2014) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | May 2014 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 572 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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