Middlesex County and Perth Amboy City property record for 786 Stephen Ave, Perth Amboy, NJ 08861
| Property Type | Single Family Home |
|---|---|
| Details | 1,599 sqft · built 1957 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,310 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-00388-0000-00040 |
| Primary APN | 16-00388-0000-00040 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,599 sqft Living Area |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 5,998 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Attached |
| Street Address | 786 STEPHEN AVE |
|---|---|
| City | PERTH AMBOY |
| State | NJ |
| Zip | 08861-1608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | 60X100 |
| Legal Subdivision | FORBESDALE SEC TWO |
| Legal Block | 388 |
| Legal Lot Number | 40 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | PERTH AMBOY |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 4000 |
786 Stephen Ave is owned and occupied by two individuals.
Source: Middlesex County and Perth Amboy City records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 786 STEPHEN AVE, PERTH AMBOY, NJ 08861-1608 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 786 STEPHEN AVE, PERTH AMBOY, NJ 08861-1608 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000081078 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 17638/0164 |
| Instrument | 2019081078 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | READING, PA 19602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 19, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 786 Stephen Ave was $8,310, up 5.3% from the year before.
Source: Middlesex County and Perth Amboy City assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Perth Amboy City |
| Unified School District | Perth Amboy City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $261,500 (-) Land $138,800 Building $122,700 | $261,500 (-) Land $138,800 Building $122,700 | |
| 2025 | $8,310.00 (+5.34%) | $261,500 Land $138,800 Building $122,700 | $261,500 Land $138,800 Building $122,700 |
| 2024 | $7,889.00 | ||
| 2023 | $261,500 Land $138,800 Building $122,700 | $261,500 Land $138,800 Building $122,700 | |
| 2022 | $7,779.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 786 Stephen Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2011–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2018 · other causes |
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.
The area around 786 Stephen Ave 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 577 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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