Middlesex County and South River Borough property record for 86 James St, South River, NJ 08882
| Property Type | Single Family Home |
|---|---|
| Details | 1,097 sqft · built 1950 |
| Lot Size | 0.092 acres (3,999 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,000 (Jul 2026) |
| Tax Bill | $5,672 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-00341-0000-00006 |
| Primary APN | 23-00341-0000-00006 |
|---|---|
| Alternative APN |
|
| Building Area | 1,097 sqft Living Area |
|---|
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 3,999 sqft (0.092 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Street Address | 86 JAMES ST |
|---|---|
| City | SOUTH RIVER |
| State | NJ |
| Zip | 08882-2115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R100 |
| Legal Description | 40X100 |
| Legal Subdivision | BOROUGH/SOUTH RIVER |
| Legal Block | 341 |
| Legal Lot Number | 6 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | SOUTH RIVER |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 7000 |
86 James St is owned and occupied by two individuals who bought it in July 2026.
Source: Middlesex County and South River Borough records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jul 17, 2026 | Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE ACCEPTANCE |
| Feb 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 10, 2021 | Bargain and Sale Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Dec 12, 2016 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Dec 12, 2016 | Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL HM FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2026 · Amount on File |
| Deed Sale | Jul 17, 2026 · Amount on File |
| Prior Sale | Jun 10, 2021 · Amount on File |
| Deed Document Number | 202645434 |
| Deed Book / Page | 20077 / 1454 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jul 17, 2026 |
| Property Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 0000045434 |
| Book / Page | 20077 / 1454 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202645434 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2026 |
| Title Company | LAND TITLE, ACRES LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $51,005.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 0000045435, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 202645435 |
| Name | AMERICAN MORTGAGE ACCEPTANCE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000045436, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 20077/1475 |
| Instrument | 202645436 |
| Name | NJ HOUSING AND MORTGAGE FINANCIAL AGENCY |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 5 Months |
| Due | Jul 10, 2031 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 0000009334 |
|---|---|
| Date | Feb 13, 2023 |
| Book Page | 19150/453 |
| Instrument | 2023009334 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Jun 1, 2051 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jun 10, 2021 |
| Property Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 2021077191 |
| Book / Page | 18487 / 343 |
| Instrument Date | May 3, 2021 |
| Instrument | 2021077191 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Title Company | NOT AVAILABLE, TRANSPARENT TTL & SETMNT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $462.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13300 INDIAN ROCKS RD, 13300, LARGO, FL 33774-2042 |
| Name | Verified Name |
|---|---|
| Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 2021077192 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021077192 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 0000001497 |
| Instrument Date | Dec 12, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2019 |
| Title Company | RIVERS EDGE TITLE SERVICES, RIVERS EDGE TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 86 JAMES ST SOUTH RIVER NJ 088822115, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 0000001497 |
|---|---|
| Date | Jan 14, 2017 |
| Book Page | 016626/000085 |
| Instrument | 1497 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 744 Months |
| Due | Jan 13, 2079 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.89% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 86 JAMES ST, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 0000001496 |
| Instrument Date | Dec 12, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2017 |
| Title Company | RIVERS EDGE TITLE SERVICES, RIVERS EDGE TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 86 JAMES ST SOUTH RIVER NJ 088822115, SOUTH RIVER, NJ 08882-2115 |
| Document Number | 0000001496 |
|---|---|
| Date | Jan 14, 2017 |
| Book Page | 016626/000069 |
| Instrument | 1496 |
| Name | RESIDENTIAL HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | WHITE PLAINS, NY 10604 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 744 Months |
| Due | Jan 13, 2079 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.89% |
The 2025 property tax bill for 86 James St was $5,672, up 4.8% from the year before.
Source: Middlesex County and South River Borough assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | South River Borough |
| Unified School District | South River Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $212,500 (-) Land $115,000 Building $97,500 | $212,500 (-) Land $115,000 Building $97,500 | |
| 2025 | $5,672.00 (+4.8%) | $212,500 Land $115,000 Building $97,500 | $212,500 Land $115,000 Building $97,500 |
| 2024 | $5,412.00 | ||
| 2023 | $212,500 Land $115,000 Building $97,500 | $212,500 Land $115,000 Building $97,500 | |
| 2022 | $5,159.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 86 James St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2004 · rainfall accumulation |
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 86 James St 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 99.1% of the US · lower than 97.3% 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 | SOUTH RIVER W DEPT serves 16,000 people · EPA ID NJ1223001 |
|---|---|
| Water Source | Purchased surface water from EAST BRUNSWICK WATER UTILITY |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Copper | 1.83 mg/L (2022) action level 1.3 mg/L |
| Water Quality | Treatment failure resolved · Feb 2025 |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2023 |
| Monitoring and Reporting | 15 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 636 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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