71 Central Ave, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 71 Central Ave, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	1,488 sqft · built 1900
Lot Size	0.194 acres (8,451 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Feb 2026)
Tax Bill	$10,104 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-00051-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`18-00051-0000-00010`
Alternative APN	`180005100010`

Interior

Stories	2 Stories
Building Area	1,488 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,451 sqft (0.194 acres)
Lot Dimensions	169 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	71 CENTRAL AVE
City	SOMERVILLE
State	NJ
Zip	08876-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	BUILDING LOTS/EAST SOMERVILLE
Legal Block	51
Legal Lot Number	10
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1010
Census Tract	50400

Owner

Source: Somerset County and Somerville 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	71 CENTRAL AVE, SOMERVILLE, NJ 08876-3017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Line of Credit AFFINITY FCU
Feb 17, 2026	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 8, 2020	Deed, Transfer · Conventional Mortgage PNC BANK NA
Nov 13, 2018	Deed with Mortgage, Construction Loan · Line of Credit INVESTOR LNDG USA
Jun 25, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Jun 8, 2020 · Amount on Record
Deed Document Number	20264372
Deed Book / Page	7665 / 3287
Prior Transfer Date	Nov 13, 2018
Prior Transfer Doc	0000042405
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	71 CENTRAL AVE, SOMERVILLE, NJ 08876-3017
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026817
Date	Sep 29, 2025
Book Page	7641/694
Instrument	2025026817

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Feb 17, 2026
Property Address	71 CENTRAL AVE, SOMERVILLE, NJ 08876-3017
Document Number	0000004372
Book / Page	7665 / 3287
Instrument Date	Jan 23, 2026
Instrument	2026004372
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	CLOSING USA LLC, CLOSEPOINT USA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1561 APPLEWOOD CIR, YARDLEY, PA 19067-5748

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	71 CENTRAL AVE, SOMERVILLE, NJ 08876-3017

Mortgage

Document Number	0000004373
Date	Feb 17, 2026
Instrument	2026004373

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jun 8, 2020
Property Address	71 CENTRAL AVE, SOMERVILLE, NJ 08876-3017
Document Number	0000023460
Book / Page	7217 / 371
Instrument Date	May 28, 2020
Instrument	2020023460
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,027.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 MARTHA ST, 9, WEST MILFORD, NJ 07480-2509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 CENTRAL AVE, SOMERVILLE, NJ 08876-3017

Mortgage

Document Number	0000023461
Date	Jun 8, 2020
Instrument	2020023461

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

November 2018: Deed with Mortgage, Construction Loan

Document Type	Deed with Mortgage
Jurisdiction	SOMERSET NJ
Recording Date	Nov 13, 2018
Property Address	71 CENTRAL AVE, SOMERVILLE, NJ 08876-3017
Book / Page	007083 / 000301
Instrument Date	Aug 26, 2018
Instrument	42406
Transaction Type	Construction Loan
Record Updated	Dec 17, 2018
Title Company	ALL PRO TITLE GROUP LLC, ALL PRO TITLE GRP LLC

Transaction

Amount	Amount Recorded
Tax	$146.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Non-Declared Trust
Address	9 MARTHA ST WEST MILFORD NJ 074802509, WEST MILFORD, NJ 07480-2509

Mortgage

Document Number	0000042406
Date	Nov 13, 2018
Book Page	007083/000301
Instrument	42406

Lender

Name	INVESTOR LNDG USA
Address	GREENVILLE, SC 29605

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 12, 2019

Interest

Rate Type	Adjustable Rate

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jun 25, 2018
Property Address	71 CENTRAL AVE, SOMERVILLE, NJ 08876-3017
Document Number	0000023218
Book / Page	007051 / 003159
Instrument Date	Jun 11, 2018
Instrument	23218
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	205 W MAIN ST #204 SOMERVILLE NJ 088762834, 204, SOMERVILLE, NJ 08876-2834

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$247,700 (-) Land $64,200 Building $183,500	$247,700 (-) Land $64,200 Building $183,500
2025	$10,104.00 (+3.19%)	$247,700 (-) Land $64,200 Building $183,500	$247,700 (-) Land $64,200 Building $183,500
2024	$9,792.00 (+5.11%)
2023		$247,700 Land $64,200 Building $183,500	$247,700 Land $64,200 Building $183,500
2022	$9,316.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 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 453 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

May also be available: AT&T.

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