Somerset County and Bridgewater Township property record for 164 Oak St, Bridgewater, NJ 08807
| Property Type | Single Family Home |
|---|---|
| Details | 1,300 sqft · built 1947 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Oct 2015) |
| Tax Bill | $5,632 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-00153-0000-00010 |
| Primary APN | 06-00153-0000-00010 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,300 sqft Living Area |
|---|
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Account Number | S001 |
|---|---|
| Street Address | 164 OAK ST |
| City | BRIDGEWATER |
| State | NJ |
| Zip | 08807-2715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Subdivision | NEW JERSEY SOMERVILLE REALTY C |
| Legal Block | 153 |
| Legal Lot Number | 10 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | BRIDGEWATER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 50701 |
164 Oak St is owned and occupied by two individuals who bought it in October 2015.
Source: Somerset County and Bridgewater Township records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 164 OAK ST, BRIDGEWATER, NJ 08807-2715 |
| 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 |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2015 · Amount on File |
| Deed Sale | Oct 13, 2015 · Amount on File |
| Prior Sale | May 14, 2013 · Amount on File |
| Deed Document Number | 201542964 |
| Deed Book / Page | 6828 / 1125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 164 OAK ST, BRIDGEWATER, NJ 08807-2715 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000027121 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 7641/2612 |
| Instrument | 2025027121 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 164 OAK ST, BRIDGEWATER, NJ 08807-2715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000046807 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 7255/2445 |
| Instrument | 2020046807 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 164 Oak St was $5,632, down 0.8% from the year before.
Source: Somerset County and Bridgewater Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| County Subdivision | Bridgewater Township |
| Unified School District | Bridgewater-Raritan Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $324,400 (+13.47%) Land $188,800 Building $135,600 | $324,400 (+13.47%) Land $188,800 Building $135,600 | |
| 2025 | $5,632.00 (-0.79%) | $285,900 Land $163,800 Building $122,100 | $285,900 Land $163,800 Building $122,100 |
| 2024 | $5,677.00 | ||
| 2023 | $268,300 Land $163,800 Building $104,500 | $268,300 Land $163,800 Building $104,500 | |
| 2022 | $5,258.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 Oak St in Zone X, an area of minimal flood risk, though there have been 57 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective September 3, 2025 · 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 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 57 (1979–2023) |
| Claims Outside the SFHA | 20 of 57 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| 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 164 Oak 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 93% of the US · lower than 81% 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 - 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 138 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Xfinity.
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