Middlesex County and Middlesex Borough property record for 21 Oswego Ave, Middlesex, NJ 08846
| Property Type | Single Family Home |
|---|---|
| Details | 840 sqft · built 1950 |
| Lot Size | 0.166 acres (7,235 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Mar 2021) |
| Tax Bill | $8,726 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00151-0000-00023-01 |
| Primary APN | 10-00151-0000-00023-01 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 7,235 sqft (0.166 acres) |
| Street Address | 21 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 | 7236 SF 24-26 |
| Legal Subdivision | INCL |
| Legal Block | 151 |
| Legal Lot Number | 23.1 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | MIDDLESEX |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 102 |
21 Oswego Ave is owned and occupied by an individual who bought it in March 2021.
Source: Middlesex County and Middlesex Borough records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 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 |
|---|---|
| Mar 26, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage TD BANK NA |
| Jun 26, 2017 | Deed of Trust, Mortgage · Conventional with PMI FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2021 · Amount on File |
| Deed Sale | Mar 26, 2021 · Amount on File |
| Prior Sale | Sep 25, 2015 · Amount on File |
| Deed Document Number | 202143247 |
| Deed Book / Page | 18363 / 1848 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Mar 26, 2021 |
| Property Address | 21 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| Document Number | 2021043247 |
| Book / Page | 18363 / 1848 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 2021043247 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,598.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 437 W MAPLE AVE, 437, BOUND BROOK, NJ 08805-1208 |
| Name | Verified Name |
|---|---|
| Address | 21 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| Document Number | 2021043248 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021043248 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 21 OSWEGO AVE, MIDDLESEX, NJ 08846-1716 |
| Document Number | 0000015331 |
| Book / Page | 016825 / 000421 |
| Instrument Date | Jun 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2017 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 21 OSWEGO AVE MIDDLESEX NJ 088461716, MIDDLESEX, NJ 08846-1716 |
| Document Number | 0000015331 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 016825/000421 |
| Instrument | 15331 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2047 |
The 2025 property tax bill for 21 Oswego Ave was $8,726, up 19.8% 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 | $440,400 (+7%) Land $149,300 Building $291,100 | $440,400 (+7%) Land $149,300 Building $291,100 | |
| 2025 | $8,726.00 (+19.83%) | $411,600 Land $149,300 Building $262,300 | $411,600 Land $149,300 Building $262,300 |
| 2024 | $7,282.00 | ||
| 2023 | $314,700 Land $149,300 Building $165,400 | $314,700 Land $149,300 Building $165,400 | |
| 2022 | $6,844.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 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 21 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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