Union County and Berkeley Heights Township property record for 11 Cottage Ct, Berkeley Heights, NJ 07922
| Property Type | Condominium |
|---|---|
| Details | 1,248 sqft · built 1995 |
| Lot Size | 0.016 acres (697 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Dec 2023) |
| Tax Bill | $8,956 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Dec 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-00614-03-00003-0000-CONDO |
| Primary APN | 01-00614-03-00003-0000-CONDO |
|---|---|
| Alternative APN |
|
| Building Area | 1,248 sqft Living Area |
|---|
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Condo/Apartment |
| Lot Area | 697 sqft (0.016 acres) |
| Street Address | 11 COTTAGE CT |
|---|---|
| City | BERKELEY HEIGHTS |
| State | NJ |
| Zip | 07922-1531 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | DH-1 |
| Legal Description | TUDOR COURT UNIT 11 |
| Legal Subdivision | TUDOR COURT |
| Legal Block | 614.3 |
| Legal Lot Number | 3 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | BERKELEY HEIGHTS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 38201 |
11 Cottage Ct, a condominium, is owned and occupied by two individuals who bought it in December 2023.
Source: Union County and Berkeley Heights Township records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 COTTAGE CT, BERKELEY HEIGHTS, NJ 07922-1531 |
| 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 |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 5, 2023 | Deed, Transfer · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Aug 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| May 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GARDEN ST HM LNS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2023 · Amount on File |
| Deed Sale | Dec 5, 2023 · Amount on File |
| Prior Sale | Aug 8, 2008 · Amount on File |
| Deed Document Number | 202334157 |
| Deed Book / Page | 6530 / 165 |
| Prior Transfer Date | Oct 31, 2001 |
| Prior Transfer Doc | 0052160349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 11 COTTAGE CT, BERKELEY HEIGHTS, NJ 07922-1531 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|---|
| Address | 11 COTTAGE CT, BERKELEY HEIGHTS, NJ 07922-1531 |
| Document Number | 0157432105 |
|---|---|
| Date | Jan 5, 2026 |
| Book Page | 15743/2105 |
| Instrument | 87171 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Dec 5, 2023 |
| Property Address | 11 COTTAGE CT, BERKELEY HEIGHTS, NJ 07922-1531 |
| Document Number | 0065300165 |
| Book / Page | 6530 / 165 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 34157 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2023 |
| Title Company | KEY SETTLEMENTS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,935.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 233 LINCOLN ST, BERKELEY HEIGHTS, NJ 07922-1160 |
| Name | Verified Name |
|---|---|
| Address | 11 COTTAGE CT, BERKELEY HEIGHTS, NJ 07922-1531 |
| Document Number | 0154410252 |
|---|---|
| Date | Dec 5, 2023 |
| Book Page | 15441/252 |
| Instrument | 59023 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 11 COTTAGE CT, BERKELEY HEIGHTS, NJ 07922-1531 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0150252043 |
|---|---|
| Date | Aug 4, 2021 |
| Book Page | 15025/2043 |
| Instrument | 17910 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 11 COTTAGE CT, BERKELEY HEIGHTS, NJ 07922-1531 |
| Document Number | 0147052373 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 COTTAGE CT BERKELEY HEIGHTS NJ 079221531, BERKELEY HEIGHTS, NJ 07922-1531 |
| Document Number | 0147052373 |
|---|---|
| Date | Jun 4, 2020 |
| Book Page | 014705/002373 |
| Instrument | 692502 |
| Name | GARDEN ST HM LNS INC |
|---|---|
| Address | CHERRY HILL, NJ 08003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 3, 2050 |
The 2025 property tax bill for 11 Cottage Ct was $8,956, up 2.7% from the year before.
Source: Union County and Berkeley Heights Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Berkeley Heights Township |
| Unified School District | Berkeley Heights Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $203,500 (-) Land $90,000 Building $113,500 | $203,500 (-) Land $90,000 Building $113,500 | |
| 2025 | $8,956.00 (+2.66%) | $203,500 Land $90,000 Building $113,500 | $203,500 Land $90,000 Building $113,500 |
| 2024 | $8,724.00 | ||
| 2023 | $203,500 (-) Land $90,000 Building $113,500 | $203,500 (-) Land $90,000 Building $113,500 | |
| 2022 | $8,544.00 | $203,500 Land $90,000 Building $113,500 | $203,500 Land $90,000 Building $113,500 |
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 11 Cottage Ct in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · 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 |
| Flood Insurance Cost | Premium on File median of 10 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 50 units insured incl. 40 condo units |
| Nearby Flood Claims | 17 (1978–2025) |
| Claims Outside the SFHA | 9 of 17 |
| Most Recent Claim | Jul 2025 · river or lake flooding |
| 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 11 Cottage Ct 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 98% of the US · lower than 94% 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 - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 239 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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