Middlesex County and Middlesex Borough property record for 549 Lorraine Ave, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 1,080 sqft · built 1953 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Oct 2023) |
| Tax Bill | $9,031 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00303-0000-00039 |
| Primary APN | 10-00303-0000-00039 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Street Address | 549 LORRAINE AVE |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-2056 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R60A |
| Legal Description | 50X100 40 |
| Legal Subdivision | WATCHUNG ESTATES |
| Legal Block | 303 |
| Legal Lot Number | 39 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 200 |
549 Lorraine Ave is owned and occupied by an individual who bought it in October 2023.
Source: Middlesex County and Middlesex Borough records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 549 LORRAINE AVE, MIDDLESEX, NJ 08846-2056 |
| 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.
| Date | Document |
|---|---|
| Oct 10, 2023 | Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 16, 2020 | Deed, Transfer · Conventional Mortgage AFFINITY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2023 · Amount on File |
| Deed Sale | Oct 10, 2023 · Amount on File |
| Prior Sale | Jun 16, 2020 · Amount on File |
| Deed Document Number | 202359739 |
| Deed Book / Page | 19317 / 217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Oct 10, 2023 |
| Property Address | 549 LORRAINE AVE, MIDDLESEX, NJ 08846-2056 |
| Document Number | 0000059739 |
| Book / Page | 19317 / 217 |
| Instrument Date | Aug 22, 2023 |
| Instrument | 2023059739 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Title Company | REALSAFE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,071.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 DERRINGER DR, HOWELL, NJ 07731-2963 |
| Name | Verified Name |
|---|---|
| Address | 549 LORRAINE AVE, MIDDLESEX, NJ 08846-2056 |
| Document Number | 0000059740 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 2023059740 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jun 16, 2020 |
| Property Address | 549 LORRAINE AVE, MIDDLESEX, NJ 08846-2056 |
| Document Number | 2020052106 |
| Book / Page | 17909 / 1879 |
| Instrument Date | May 13, 2020 |
| Instrument | 2020052106 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,442.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 832 ATKINSON CIR, 832, HILLSBOROUGH, NJ 08844-3430 |
| Name | Verified Name |
|---|---|
| Address | 549 LORRAINE AVE, MIDDLESEX, NJ 08846-2056 |
| Document Number | 2020052107 |
|---|---|
| Date | Jun 16, 2020 |
| Instrument | 2020052107 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Number | 0000052108 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 17909/1897 |
| Instrument | 2020052108 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | BASKING RIDGE, NJ 07920 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 549 Lorraine Ave was $9,031, up 12% from the year before.
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 | $439,900 (+3.26%) Land $134,800 Building $305,100 | $439,900 (+3.26%) Land $134,800 Building $305,100 | |
| 2025 | $9,031.00 (+11.96%) | $426,000 Land $134,800 Building $291,200 | $426,000 Land $134,800 Building $291,200 |
| 2024 | $8,066.00 | ||
| 2023 | $348,600 (+384.17%) Land $134,800 Building $213,800 | $348,600 (+384.17%) Land $134,800 Building $213,800 | |
| 2022 | $7,121.00 | $72,000 Land $30,000 Building $42,000 | $72,000 Land $30,000 Building $42,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 549 Lorraine Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.
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.
The area around 549 Lorraine Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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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