Middlesex County and Middlesex Borough property record for 78 Ramsey Rd, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 2,556 sqft · built 1955 |
| Lot Size | 0.957 acres (41,678 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $284,000 (Dec 2001) |
| Tax Bill | $12,576 (2025) |
| Deeds & Mortgages | Jun 2020 Line of Credit Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00072-0000-00006 |
| Primary APN | 10-00072-0000-00006 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,556 sqft Living Area |
| 1st Floor Area | 2,556 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Frame |
| Lot Area | 41,678 sqft (0.957 acres) |
| Street Address | 78 RAMSEY RD |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-1335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-75 |
| Legal Description | 41680 SF |
| Legal Block | 72 |
| Legal Lot Number | 6 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 101 |
78 Ramsey Rd is owned and occupied by two individuals who bought it in December 2001.
Source: Middlesex County and Middlesex Borough records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 78 RAMSEY RD, MIDDLESEX, NJ 08846-1335 |
| 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.
| Date | Document |
|---|---|
| Jun 26, 2020 | Deed of Trust, Mortgage · Line of Credit SOMERSET SVGS BK S & L ASSN |
| Jun 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MLB RESID'L LNDG |
| Nov 23, 2019 | Deed of Trust, Mortgage · Line of Credit SOMERSET SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2001 · Amount on File |
| Deed Sale | Dec 15, 2001 · Amount on File |
| Deed Book / Page | 4992 / 255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 78 RAMSEY RD, MIDDLESEX, NJ 08846-1335 |
| Document Number | 0000058086 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78 RAMSEY RD MIDDLESEX NJ 088461335, MIDDLESEX, NJ 08846-1335 |
| Document Number | 0000058086 |
|---|---|
| Date | Jun 26, 2020 |
| Instrument | 58086 |
| Name | SOMERSET SVGS BK S & L ASSN |
|---|---|
| Address | BOUND BROOK, NJ 08805 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 78 RAMSEY RD, MIDDLESEX, NJ 08846-1335 |
| Document Number | 0000052682 |
| Instrument Date | Jun 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2020 |
| Title Company | SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78 RAMSEY RD MIDDLESEX NJ 088461335, MIDDLESEX, NJ 08846-1335 |
| Document Number | 0000052682 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 017911/001657 |
| Instrument | 52682 |
| Name | MLB RESID'L LNDG |
|---|---|
| Address | SPRINGFIELD, NJ 07081 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 16, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 78 RAMSEY RD, MIDDLESEX, NJ 08846-1335 |
| Document Number | 0000104314 |
| Instrument Date | Nov 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78 RAMSEY RD MIDDLESEX NJ 088461335, MIDDLESEX, NJ 08846-1335 |
| Document Number | 0000104314 |
|---|---|
| Date | Dec 9, 2019 |
| Book Page | 017713/000762 |
| Instrument | 104314 |
| Name | SOMERSET SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | BOUND BROOK, NJ 08805 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 78 Ramsey Rd was $12,576, up 4.7% from the year before.
Source: Middlesex County and Middlesex Borough assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Middlesex Borough |
| Unified School District | Middlesex Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $495,000 (-16.55%) Land $220,400 Building $274,600 | $495,000 (-16.55%) Land $220,400 Building $274,600 | |
| 2025 | $12,576.00 (+4.74%) | $593,200 Land $220,400 Building $372,800 | $593,200 Land $220,400 Building $372,800 |
| 2024 | $12,007.00 | ||
| 2023 | $518,900 Land $220,400 Building $298,500 | $518,900 Land $220,400 Building $298,500 | |
| 2022 | $14,173.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Ramsey Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 12 (2011–2025) |
| Claims Outside the SFHA | 2 of 12 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 78 Ramsey Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 81% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 293 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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