2 Cole St, Bridgewater, NJ 08807 Property Records

Somerset County and Bridgewater Township property record for 2 Cole St, Bridgewater, NJ 08807

Property Summary

Property Type	Single Family Home
Details	1,600 sqft · built 1952
Lot Size	0.177 acres (7,701 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (May 2021)
Tax Bill	$6,953 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-00238-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`06-00238-0000-00018`
Alternative APNs	`060023800018` `S001`

Interior

Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	7,701 sqft (0.177 acres)
Lot Dimensions	110 ft deep x 70 ft wide

Location & Zoning

Account Number	S001
Street Address	2 COLE ST
City	BRIDGEWATER
State	NJ
Zip	08807-3115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Subdivision	BEL AIR-MANOR DEV
Legal Block	238
Legal Lot Number	18
Jurisdiction	SOMERSET NJ
Township / Civil Division	BRIDGEWATER
Census Block Group	3
Census Block	3004
Census Tract	51000

Owner

Source: Somerset County and Bridgewater Township records, as of September 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2 COLE ST, BRIDGEWATER, NJ 08807-3115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 8, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
May 24, 2021	Deed, Transfer · FHA Mortgage 1ST 2ND MORTGAGE CO OF NEW JERSEY I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2021 · Amount on Record
Deed Sale	May 24, 2021 · Amount on Record
Prior Sale	Sep 26, 2008 · Amount on Record
Deed Document Number	202132751
Deed Book / Page	7346 / 924
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Recording Date	Sep 1, 2026
Property Address	2 COLE ST, BRIDGEWATER, NJ 08807-3115
Document Number	0000024951
Book / Page	7700 / 3115
Instrument Date	Aug 24, 2026
Instrument	202624951
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COLE ST, BRIDGEWATER, NJ 08807-3115

Mortgage

Document Number	0000024951,
Date	Sep 1, 2026
Book Page	7700/3115
Instrument	202624951

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 27, 2051

Interest

Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	2 COLE ST, BRIDGEWATER, NJ 08807-3115
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034360
Date	Aug 8, 2022
Book Page	7462/2009
Instrument	2022034360

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	May 24, 2021
Property Address	2 COLE ST, BRIDGEWATER, NJ 08807-3115
Document Number	0000032751
Book / Page	7346 / 924
Instrument Date	Apr 28, 2021
Instrument	2021032751
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 TOOKER AVE, 47, SPRINGFIELD, NJ 07081-1703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COLE ST, BRIDGEWATER, NJ 08807-3115

Mortgage

Document Number	0000032752
Date	May 24, 2021
Instrument	2021032752

Lender

Name	1ST 2ND MORTGAGE CO OF NEW JERSEY I
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Somerset County and Bridgewater Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
County Subdivision	Bridgewater Township
Unified School District	Bridgewater-Raritan Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$393,900 (+10.31%) Land $225,600 Building $168,300	$393,900 (+10.31%) Land $225,600 Building $168,300
2025	$6,953.00 (+1%)	$357,100 (+8.38%) Land $205,600 Building $151,500	$357,100 (+8.38%) Land $205,600 Building $151,500
2024	$6,884.00 (+7.33%)
2023		$329,500 Land $205,600 Building $123,900	$329,500 Land $205,600 Building $123,900
2022	$6,414.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	9 (2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 9 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 Risk	Low lower than 94% of the US · lower than 83% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 395 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.

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