71 Loretta St, Perth Amboy, NJ 08861 Property Records

Middlesex County and Woodbridge Township property record for 71 Loretta St, Perth Amboy, NJ 08861

Property Summary

Property Type	Single Family Home
Details	1,526 sqft · built 1907
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Aug 2017)
Tax Bill	$10,623 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-00005-06-00181`

Property Details

APN / Parcel Number

Primary APN	`25-00005-06-00181`
Alternative APNs	`2500005000600181` `486`

Interior

Stories	2 Stories
Building Area	1,526 sqft Living Area

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Brick
Construction Type	Brick
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	486
Street Address	71 LORETTA ST
City	PERTH AMBOY
State	NJ
Zip	08861-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	50.0X100.0
Legal Subdivision	ELLENDALE TERRACE
Legal Block	5.6
Legal Lot Number	181
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	WOODBRIDGE
Census Block Group	2
Census Block	2027
Census Tract	3300

Owner

71 Loretta St is owned and occupied by two individuals who bought it in August 2017.

Source: Middlesex County and Woodbridge Township records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	71 LORETTA ST, PERTH AMBOY, NJ 08861-2230
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Jul 17, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 8, 2022	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Aug 6, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Aug 4, 2017	Grant Deed, Transfer · FHA Mortgage OAK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2017 · Amount on File
Deed Sale	Aug 4, 2017 · Amount on File
Deed Document Number	2017283
Deed Book / Page	7020 / 800
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	71 LORETTA ST, PERTH AMBOY, NJ 08861-2230
Transaction Type	Mortgage
Record Updated	Dec 11, 2023
Title Company	FORTUNE TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068344
Date	Nov 20, 2023
Book Page	19345/1493
Instrument	2023068344

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	71 LORETTA ST, PERTH AMBOY, NJ 08861-2230
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 LORETTA ST, HOPELAWN, NJ 08861-2230

Mortgage

Document Number	0000040818
Date	Jul 17, 2023
Book Page	19252/1647
Instrument	2023040818

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	71 LORETTA ST, PERTH AMBOY, NJ 08861-2230
Transaction Type	Mortgage
Record Updated	Apr 28, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 LORETTA ST, HOPELAWN, NJ 08861-2230

Mortgage

Document Number	0000036127
Date	Apr 8, 2022
Book Page	18890/374
Instrument	2022036127

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	302 Months
Due	Jun 1, 2047

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	71 LORETTA ST, PERTH AMBOY, NJ 08861-2230
Transaction Type	Mortgage
Record Updated	Aug 24, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 LORETTA ST, HOPELAWN, NJ 08861-2230

Mortgage

Document Number	2021100813
Date	Aug 6, 2021
Book Page	18570/7
Instrument	2021100813

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Jun 1, 2047

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Aug 4, 2017
Property Address	71 LORETTA ST, PERTH AMBOY, NJ 08861-2230
Document Number	0000013247
Book / Page	007020 / 000800
Instrument Date	May 19, 2017
Instrument	13247
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	71 LORETTA ST PERTH AMBOY NJ 088612230, PERTH AMBOY, NJ 08861-2230

Mortgage

Document Number	16880
Date	Aug 4, 2017
Book Page	016850/000590
Instrument	16880

Lender

Name	OAK MTG
Type	Mortgage Company
Address	MARLTON, NJ 08053

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2047

Mortgage

Document Number	16881,
Date	Aug 4, 2017
Book Page	016850/000601
Instrument	16881

Lender

Name	HOUSING FIN AGCY
Address	TRENTON, NJ 08650-2085

Agreement

Amount	Amount on Record
Term	60 Months
Due	Aug 3, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 71 Loretta St was $10,623, up 3.5% from the year before.

Source: Middlesex County and Woodbridge Township assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
County Subdivision	Woodbridge Township
Unified School District	Woodbridge Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,900 (-) Land $20,000 Building $60,900	$80,900 (-) Land $20,000 Building $60,900
2025	$10,623.00 (+3.49%)	$80,900 Land $20,000 Building $60,900	$80,900 Land $20,000 Building $60,900
2024	$10,265.00
2023		$70,800 Land $20,000 Building $50,800	$70,800 Land $20,000 Building $50,800
2022	$8,506.00

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

Flood

FEMA maps place 71 Loretta St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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 Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2012 · Hurricane Sandy

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

The area around 71 Loretta St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIDDLESEX WATER COMPANY private · serves 233,376 people · EPA ID NJ1225001
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2019
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 513 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: Optimum, T-Mobile.

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