551 Central Ave, Bound Brook, NJ 08805 Property Records

Somerset County and Bound Brook Borough property record for 551 Central Ave, Bound Brook, NJ 08805

Property Summary

Property Type	Single Family Home
Details	1,886 sqft · built 1949
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Aug 2024)
Tax Bill	$13,796 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-00086-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`04-00086-0000-00005`
Alternative APN	`040008600005`

Interior

Stories	2 Stories
Building Area	1,886 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Lot Area	6,251 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	551 CENTRAL AVE
City	BOUND BROOK
State	NJ
Zip	08805-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	BOROUGH/BOUND BROOK
Legal Block	86
Legal Lot Number	5
Jurisdiction	SOMERSET NJ
Township / Civil Division	BOUND BROOK
Census Block Group	1
Census Block	1018
Census Tract	51300

Owner

Source: Somerset County and Bound Brook Borough records, as of July 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	551 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 14, 2024	Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Oct 3, 2023	Deed, Transfer SUNRISE TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2024 · Amount on File
Deed Sale	Aug 14, 2024 · Amount on File
Prior Sale	Oct 3, 2023 · Amount on File
Deed Document Number	202420439
Deed Book / Page	7571 / 3400
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	551 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 CENTRAL AVE, BOUND BROOK, NJ 08805-1732

Mortgage

Document Number	0000006661
Date	Mar 10, 2026
Book Page	7669/2353
Instrument	2026006661

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Aug 14, 2024
Property Address	551 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Document Number	0000020439
Book / Page	7571 / 3400
Instrument Date	Jul 17, 2024
Instrument	2024020439
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,503.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	906 JACKSON VALLEY RD, OXFORD, NJ 07863-3322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 CENTRAL AVE, BOUND BROOK, NJ 08805-1732

Mortgage

Document Number	0000020440
Date	Aug 14, 2024
Instrument	2024020440

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Oct 3, 2023
Property Address	551 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Document Number	0000025782
Book / Page	7527 / 1703
Instrument Date	Oct 3, 2023
Instrument	2023025782
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	SUNRISE TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7171 BARKER WAY, SAN DIEGO, CA 92119-1306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 JACKSON VALLEY RD, OXFORD, NJ 07863-3322

Tax Assessment & Valuation

Source: Somerset County and Bound Brook Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
Municipality	Bound Brook Borough
Unified School District	Bound Brook Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$655,400 (+4.85%) Land $267,000 Building $388,400	$655,400 (+4.85%) Land $267,000 Building $388,400
2025	$13,796.00 (+22.32%)	$625,100 (+35.68%) Land $242,000 Building $383,100	$625,100 (+35.68%) Land $242,000 Building $383,100
2024	$11,279.00 (+7.26%)
2023		$460,700 (+8.99%) Land $192,000 Building $268,700	$460,700 (+8.99%) Land $192,000 Building $268,700
2022	$10,516.00 (+9.6%)	$422,700 Land $167,000 Building $255,700	$422,700 Land $167,000 Building $255,700
2021	$9,595.00

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 September 3, 2025 · 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	7 in force
Nearby Flood Claims	14 (1999–2021)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 4 claims Hurricane Irene, Aug 2011 · 4 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	None beyond ember reach

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

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 527 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

May also be available: AT&T.

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