Middlesex County and Middlesex Borough property record for 11 Oswego Ave, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 1,699 sqft · built 1950 |
| Lot Size | 0.179 acres (7,802 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Dec 2021) |
| Tax Bill | $10,318 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00151-0000-00020 |
| Primary APN | 10-00151-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,699 sqft Living Area |
| 1st Floor Area | 1,699 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 7,802 sqft (0.179 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Street Address | 11 OSWEGO AVE |
|---|---|
| City | MIDDLESEX |
| State | NJ |
| Zip | 08846-1716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-75 |
| Legal Description | 65X120 21-23 |
| Legal Subdivision | CREIGHTON MANOR |
| Legal Block | 151 |
| Legal Lot Number | 20 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 102 |
11 Oswego Ave is owned and occupied by two individuals who bought it in December 2021.
Source: Middlesex County and Middlesex Borough records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| 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 |
|---|---|
| Dec 27, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP |
| Sep 13, 2021 | Deed of Trust, Mortgage MANVILLE AREA FCU |
| Mar 8, 2019 | Deed of Trust, Mortgage MANVILLE AREA FCU |
| Apr 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2021 · Amount on File |
| Deed Sale | Dec 27, 2021 · Amount on File |
| Prior Sale | Mar 11, 2013 · Amount on File |
| Deed Document Number | 2021155125 |
| Deed Book / Page | 18760 / 280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Dec 27, 2021 |
| Property Address | 11 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| Document Number | 0000155125 |
| Book / Page | 18760 / 280 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 2021155125 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,455.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 418 THAYER STREET, 418, CHAPIN, SC 29036 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 11 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| Document Number | 0000155126 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 2021155126 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 11 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021115960 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 18623/1218 |
| Instrument | 2021115960 |
| Name | MANVILLE AREA FCU |
|---|---|
| Type | Credit Union |
| Address | MANVILLE, NJ 08835 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 11 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018046 |
|---|---|
| Date | Mar 8, 2019 |
| Book Page | 17442/0253 |
| Instrument | 201900018046 |
| Name | MANVILLE AREA FCU |
|---|---|
| Type | Credit Union |
| Address | MARTINSVILLE, NJ 08836 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Feb 28, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 11 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000033898 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 17845/1580 |
| Instrument | 2020033898 |
| Name | UNITED STATES OF AMERICA |
|---|---|
| Type | Government Agency |
| Address | MANVILLE, NJ 08835 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Mar 26, 2035 |
The 2025 property tax bill for 11 Oswego Ave was $10,318, up 11.6% 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 | $513,800 (+5.57%) Land $150,200 Building $363,600 | $513,800 (+5.57%) Land $150,200 Building $363,600 | |
| 2025 | $10,318.00 (+11.56%) | $486,700 Land $150,200 Building $336,500 | $486,700 Land $150,200 Building $336,500 |
| 2024 | $9,249.00 | ||
| 2023 | $399,700 Land $150,200 Building $249,500 | $399,700 Land $150,200 Building $249,500 | |
| 2022 | $8,150.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Oswego Ave 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 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 10 (2011–2024) |
| Claims Outside the SFHA | 1 of 10 |
| Most Recent Claim | Jan 2024 · 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.
The area around 11 Oswego 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 | 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 280 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 |
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