555 Central Ave, Bound Brook, NJ 08805 Property Records

Somerset County and Bound Brook Borough property record for 555 Central Ave, Bound Brook, NJ 08805

Property Summary

Property Type	Single Family Home
Details	1,758 sqft · built 1928
Lot Size	0.142 acres (6,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Dec 2024)
Tax Bill	$12,785 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-00086-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`04-00086-0000-00004`
Alternative APN	`040008600004`

Interior

Stories	2 Stories
Building Area	1,758 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Frame
Lot Area	6,199 sqft (0.142 acres)
Lot Dimensions	124 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	555 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	4
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	555 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 11, 2024	Deed, Transfer · Conventional Mortgage AMERICAN HERITAGE FCU
Jun 22, 2023	Deed, Transfer COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO
Jul 6, 2020	Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2024 · Amount on Record
Deed Sale	Dec 11, 2024 · Amount on Record
Prior Sale	Jun 22, 2023 · Amount on Record
Deed Document Number	202433030
Deed Book / Page	7593 / 58
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	555 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003541
Date	Feb 8, 2023
Book Page	7492/2227
Instrument	2023003541

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Dec 11, 2024
Property Address	555 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Document Number	0000033030
Book / Page	7593 / 58
Instrument Date	Dec 4, 2024
Instrument	2024033030
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,344.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37 S MEADOW VIEW CT, GLENWOOD SPRINGS, CO 81601-9227

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 CENTRAL AVE, BOUND BROOK, NJ 08805-1732

Mortgage

Document Number	0000033031
Date	Dec 11, 2024
Instrument	2024033031

Lender

Name	AMERICAN HERITAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jun 22, 2023
Property Address	555 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Document Number	0000015579
Book / Page	7510 / 3092
Instrument Date	Jun 16, 2023
Instrument	2023015579
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$4,761.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 LEMUEL COBB RD, PLYMPTON, MA 02367-1520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5555 CENTRAL AVENUE, BOUND BROOK, NJ 08805

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jul 6, 2020
Property Address	555 CENTRAL AVE, BOUND BROOK, NJ 08805-1732
Document Number	0000028450
Book / Page	7225 / 481
Instrument Date	Jun 29, 2020
Instrument	2020028450
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,344.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	555 CENTRAL AVE, 555, BOUND BROOK, NJ 08805-1732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 CENTRAL AVE, BOUND BROOK, NJ 08805-1732

Mortgage

Document Number	0000028451
Date	Jul 6, 2020
Instrument	2020028451

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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		$609,000 (+5.13%) Land $267,000 Building $342,000	$609,000 (+5.13%) Land $267,000 Building $342,000
2025	$12,785.00 (+3.52%)	$579,300 (+16.05%) Land $242,000 Building $337,300	$579,300 (+16.05%) Land $242,000 Building $337,300
2024	$12,350.00 (+8.06%)
2023		$499,200 (+8.66%) Land $192,000 Building $307,200	$499,200 (+8.66%) Land $192,000 Building $307,200
2022	$11,429.00 (+11%)	$459,400 Land $167,000 Building $292,400	$459,400 Land $167,000 Building $292,400
2021	$10,296.00

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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