74 State St, Perth Amboy, NJ 08861 Property Records

Middlesex County and Perth Amboy City property record for 74 State St, Perth Amboy, NJ 08861

Property Summary

Property Type	Single Family Home
Details	2,071 sqft · built 1890
Lot Size	0.069 acres (3,001 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Nov 2024)
Tax Bill	$9,162 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-00004-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`16-00004-0000-00023`
Alternative APNs	`16000040000000230000C00PA` `160000400023`

Interior

Stories	2 Stories
Building Area	2,071 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Lot Area	3,001 sqft (0.069 acres)
Lot Dimensions	100 ft deep x 22 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	16000040000000230000C00PA
Street Address	74 STATE ST
City	PERTH AMBOY
State	NJ
Zip	08861-4629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R50
Legal Description	22X100 IRR
Legal Subdivision	PERTH AMBOY HEIGHTS
Legal Block	4
Legal Lot Number	23
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	PERTH AMBOY
Census Block Group	2
Census Block	2010
Census Tract	5000

Owner

74 State St is owned and occupied by two individuals who bought it in November 2024.

Source: Middlesex County and Perth Amboy City records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	74 STATE ST, PERTH AMBOY, NJ 08861-4629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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 16, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 10, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 18, 2019	Deed of Trust, Mortgage · Commercial Mortgage BCB COMMUNITY BANK
Dec 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage BCB CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2024 · Amount on File
Deed Sale	Nov 14, 2024 · Amount on File
Prior Sale	Jul 8, 2016 · Amount on File
Deed Document Number	202465857
Deed Book / Page	19593 / 1955
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	74 STATE ST, PERTH AMBOY, NJ 08861-4629
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 STATE ST, PERTH AMBOY, NJ 08861-4629

Mortgage

Document Number	0000067652
Date	Nov 16, 2023
Book Page	19343/1199
Instrument	2023067652

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	278 Months
Due	Jan 1, 2047

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	74 STATE ST, PERTH AMBOY, NJ 08861-4629
Transaction Type	Mortgage
Record Updated	Feb 1, 2022
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004443
Date	Jan 10, 2022
Book Page	18781/834
Instrument	2022004443

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2047

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	74 STATE ST, PERTH AMBOY, NJ 08861-4629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RIVER EDGE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004752
Date	Jan 18, 2019
Book Page	17403/0474
Instrument	201900004752

Lender

Name	BCB COMMUNITY BANK
Type	Bank
Address	BAYONNE, NJ 07002

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	74 STATE ST, PERTH AMBOY, NJ 08861-4629
Document Number	0000056513
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 1, 2019
Title Company	RIVER EDGE TITLE AGENCY LLC, RIVER EDGE TITLE AGCY LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 STATE ST #2 PERTH AMBOY NJ 088614629, 2, PERTH AMBOY, NJ 08861-4629

Mortgage

Document Number	0000056513
Date	Jul 19, 2019
Book Page	017560/000062
Instrument	56513

Lender

Name	BCB CMNTY BK
Type	Bank
Address	BAYONNE, NJ 07002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 74 State St was $9,162, up 5.3% from the year before.

Source: Middlesex County and Perth Amboy City assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
Municipality	Perth Amboy City
Unified School District	Perth Amboy City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$288,300 (-) Land $84,400 Building $203,900	$288,300 (-) Land $84,400 Building $203,900
2025	$9,162.00 (+5.33%)	$288,300 Land $84,400 Building $203,900	$288,300 Land $84,400 Building $203,900
2024	$8,698.00
2023		$288,300 Land $84,400 Building $203,900	$288,300 Land $84,400 Building $203,900
2022	$8,576.00

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 74 State St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021

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

The area around 74 State 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	PERTH AMBOY WATER DEPARTMENT serves 52,328 people · EPA ID NJ1216001
Water Source	Purchased surface water from MIDDLESEX WATER COMPANY
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Gross alpha radiation not recorded as resolved · Jan 2026 Total trihalomethanes resolved · Jul 2019
Treatment and Procedure	Corrosion control Jul 2018
Monitoring and Reporting	4 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 774 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: AT&T, Optimum, T-Mobile.

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