Middlesex County and Middlesex Borough property record for 545 Howard Ave, Middlesex, NJ 08846 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1953 |
| Square Footage | 1,476 sqft Living Area |
| Lot Size | 5,001 sqft (0.115 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $550,000 (2025) |
| Tax Bill | $9,105.00 (2025) |
Source: Middlesex County and Middlesex Borough records · APN 10-00302-0000-00033
Assessment roll updated June 30, 2026 · Last verified July 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 | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Feb 15, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 12, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Nov 06, 2025 | Deed, Transfer · Conventional Mortgage LUMINATE BANK |
| Aug 25, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Sep 26, 2016 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FIRST CONSTITUTION BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 06, 2025 · Amount on Record |
| Deed Sale | Nov 06, 2025 · Amount on Record |
| Prior Sale | Oct 17, 2011 · Amount on Record |
| Deed Doc Number | 202567771 |
| Deed Book / Page | 19868 / 1628 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000104154 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 18581/927 |
| Instrument | 2021104154 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Investor | Possibly a Property Investor |
| Document Number | 0000008812 |
|---|---|
| Date | Feb 15, 2024 |
| Book Page | 19400/196 |
| Instrument | 2024008812 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Investor | Possibly a Property Investor |
| Document Number | 0000052110 |
|---|---|
| Date | Sep 12, 2024 |
| Book Page | 19545/742 |
| Instrument | 2024052110 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Apr 01, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Nov 06, 2025 |
| Property Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Document Number | 0000067771 |
| Book / Page | 19868 / 1628 |
| Instrument Date | Nov 03, 2025 |
| Instrument | 2025067771 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,655.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 3105 LINCOLN BLVD, MIDDLESEX, NJ 08846 |
| Name | Verified Name |
|---|---|
| Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Document Number | 0000067772 |
|---|---|
| Date | Nov 06, 2025 |
| Instrument | 2025067772 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | SOURCEPOINT FULFILLMENT SVCS |
| Name | Verified Name |
|---|
| Document Number | 0000077587 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 17996/1527 |
| Instrument | 2020077587 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 545 HOWARD AVE, MIDDLESEX, NJ 08846-2417 |
| Document Number | 0000000287 |
| Book / Page | 016608 / 000350 |
| Instrument Date | Sep 26, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2017 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 545 HOWARD AVE MIDDLESEX NJ 088462417, MIDDLESEX, NJ 08846-2417 |
| Document Number | 0000000287 |
|---|---|
| Date | Jan 04, 2017 |
| Book Page | 016608/000350 |
| Instrument | 287 |
| Name | FIRST CONSTITUTION BK |
|---|---|
| Type | Bank |
| Address | CRANBURY, NJ 08512 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 03, 2047 |
Source: Middlesex County and Middlesex Borough records · Assessment roll updated June 30, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Middlesex Borough |
| Unified School District | Middlesex Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $481,000 (+11.99%) Land $134,800 Building $346,200 | $481,000 (+11.99%) Land $134,800 Building $346,200 | |
| 2025 | $9,105.00 (+2.85%) | $429,500 (+12.26%) Land $134,800 Building $294,700 | $429,500 (+12.26%) Land $134,800 Building $294,700 |
| 2024 | $8,853.00 (+9.3%) | ||
| 2023 | $382,600 Land $134,800 Building $247,800 | $382,600 Land $134,800 Building $247,800 | |
| 2022 | $8,100.00 |
Source: FEMA National Flood Hazard Layer, Middlesex County (34023C), updated December 16, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 3% of the US · above 8% of New Jersey |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 10-00302-0000-00033 |
|---|---|
| Alternative APN |
|
| Building Area | 1,476 sqft Living Area |
|---|---|
| Stories | 1 Stories |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame Construction |
| Lot Area | 5,001 sqft (0.115 acres) |
| Depth X Width | 100 ft x 50 ft Depth x Width |
| Street Address | 545 HOWARD AVE |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-2417 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 50X100 34 |
| Legal Subdivision | WATCHUNG ESTATES |
| Legal Block | 302 |
| Legal Lot Number | 33 |
| Jurisdiction | MIDDLESEX NJ |
| Minor Civil Division | MIDDLESEX |
| Census Blockgroup | 3 |
| Census Block | 3005 |
| Census Tract | 200 |
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