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846 Central Ave, New Providence, NJ 07974 Property Records

Union County and New Providence Borough property record for 846 Central Ave, New Providence, NJ 07974

Property Summary

Property TypeSingle Family Home
Details1,999 sqft · built 1951
Lot Size0.224 acres (9,757 sqft)
Owner2 Individual Names on Record
Last Sale$625,000 (Jul 2021)
Tax Bill$17,078 (2025)
Deeds & MortgagesMar 2024 Second Mortgage
Jul 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11-00194-0000-00018

Property Details

APN / Parcel Number

Primary APN11-00194-0000-00018
Alternative APNs
  • 110019400018
  • 00205100

Interior

Stories2 Stories
Building Area1,999 sqft Living Area

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Construction TypeFrame
Lot Area9,757 sqft (0.224 acres)
Parking Spaces1 Parking Space

Location & Zoning

Account Number00205100
Street Address846 CENTRAL AVE
CityNEW PROVIDENCE
StateNJ
Zip07974-1021
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal SubdivisionBOROUGH/NEW PROVIDENCE
Legal Block194
Legal Lot Number18
JurisdictionUNION NJ
Township / Civil DivisionNEW PROVIDENCE
Census Block Group1
Census Block1016
Census Tract38103

Owner

Source: Union County and New Providence Borough records, as of July 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address846 CENTRAL AVE, NEW PROVIDENCE, NJ 07974-1021
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 4, 2024Deed of Trust, Mortgage · Stand-Alone Second Mortgage
DISCOVER BANK
Jul 9, 2021Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 9, 2021 · Amount on Record
Deed SaleJul 9, 2021 · Amount on Record
Deed Document Number20216697
Deed Book / Page6420 / 2316
Record UpdatedSep 20, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION NJ
Property Address846 CENTRAL AVE, NEW PROVIDENCE, NJ 07974-1021
Transaction TypeMortgage
Record UpdatedMar 18, 2024
Title CompanyACCURATE GROUP, ACCURATE GROUP LLC OH

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0154692730
DateMar 4, 2024
Book Page15469/2730
Instrument62041
Lender
NameDISCOVER BANK
TypeBank
AddressGREENWOOD, DE 19950
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term120 Months
DueMar 4, 2034

July 2021: Deed, Transfer

Document TypeDeed
JurisdictionUNION NJ
Recording DateJul 9, 2021
Property Address846 CENTRAL AVE, NEW PROVIDENCE, NJ 07974-1021
Document Number0064202316
Book / Page6420 / 2316
Instrument DateJun 26, 2021
Instrument6697
Transaction TypeTransfer
Record UpdatedJul 28, 2021
Title CompanyNOT AVAILABLE, PENN LAND TRANSFER

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,537.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4373 AUGUSTA SHORES DR, 4373, AUGUSTA, MO 63332-1572

Transferred To (Grantee/Buyer)

NameVerified Name
Address846 CENTRAL AVE, NEW PROVIDENCE, NJ 07974-1021

Mortgage

Document Number16134
DateJul 9, 2021
Instrument16134
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

Tax Assessment & Valuation

Source: Union County and New Providence Borough assessment roll, as of July 8, 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyUnion County
MunicipalityNew Providence Borough
Unified School DistrictNew Providence Borough School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$325,800 (-) Land $92,900 Building $232,900$325,800 (-) Land $92,900 Building $232,900
2025$17,078.00 (+9.63%)$325,800 (+7.95%) Land $92,900 Building $232,900$325,800 (+7.95%) Land $92,900 Building $232,900
2024$15,578.00 (+4.54%)
2023$301,800 Land $92,900 Building $208,900$301,800 Land $92,900 Building $208,900
2022$14,902.00

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 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 23 policies
Nearby Flood Policies23 in force
Nearby Flood Claims5 (2021–2025)
Claims Outside the SFHA2 of 5
Most Recent ClaimJul 2025 · rainfall accumulation
Claims by Event
  • Remnants Of Hurricane Ida, Sep 2021 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 94% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemNJ AMERICAN WATER - SHORT HILLS
private · serves 217,230 people · EPA ID NJ0712001
Water SourceSurface water
Last State InspectionNov 2022
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 292 locations within half a mile, as of December 31, 2025

ProviderMax 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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