Somerset County and Bridgewater Township property record for 221 Cold Spring Ln, Bridgewater, NJ 08807
| Property Type | Single Family Home |
|---|---|
| Details | 1,641 sqft · built 1960 |
| Lot Size | 0.826 acres (35,998 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Nov 2022) |
| Tax Bill | $9,805 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-00414-0000-00013 |
| Primary APN | 06-00414-0000-00013 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,641 sqft Living Area |
| 1st Floor Area | 1,641 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Lot Area | 35,998 sqft (0.826 acres) |
| Lot Dimensions | 300 ft deep x 120 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Account Number | S001 |
|---|---|
| Street Address | 221 COLD SPRING LN |
| City | BRIDGEWATER |
| State | NJ |
| Zip | 08807-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Subdivision | BRIDGEWATER |
| Legal Block | 414 |
| Legal Lot Number | 13 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | BRIDGEWATER |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 50801 |
Source: Somerset County and Bridgewater Township records, as of July 7, 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 | 221 COLD SPRING LN, BRIDGEWATER, NJ 08807-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 21, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2022 · Amount on Record |
| Deed Sale | Nov 21, 2022 · Amount on Record |
| Deed Document Number | 202246511 |
| Deed Book / Page | 7481 / 499 |
| Last Transfer Date | Apr 2, 2026 |
| Transfer Doc | 0000009808 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Apr 8, 2026 |
| Property Address | 221 COLD SPRING LN, BRIDGEWATER, NJ 08807-1901 |
| Document Number | 0000009808 |
| Book / Page | 7675 / 437 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20269808 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 221 COLD SPRING LN, BRIDGEWATER, NJ 08807-1901 |
| Document Number | 0000009809, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 20269809 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Nov 21, 2022 |
| Property Address | 221 COLD SPRING LN, BRIDGEWATER, NJ 08807-1901 |
| Document Number | 0000046511 |
| Book / Page | 7481 / 499 |
| Instrument Date | Nov 14, 2022 |
| Instrument | 2022046511 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2022 |
| Title Company | CORTES AND HAY TITLE AGENCY INC, CORTES & HAY TTL AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,695.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 607 WENDOVER RD, 607, LA CANADA, CA 91011-4130 |
| Name | Verified Name |
|---|---|
| Address | 221 COLD SPRING LN, BRIDGEWATER, NJ 08807-1901 |
| Document Number | 0000046512 |
|---|---|
| Date | Nov 21, 2022 |
| Instrument | 2022046512 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
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 | $550,400 (+8.28%) Land $328,700 Building $221,700 | $550,400 (+8.28%) Land $328,700 Building $221,700 | |
| 2025 | $9,805.00 (+1.54%) | $508,300 (+11.13%) Land $308,700 Building $199,600 | $508,300 (+11.13%) Land $308,700 Building $199,600 |
| 2024 | $9,656.00 (+13.07%) | ||
| 2023 | $457,400 Land $308,700 Building $148,700 | $457,400 Land $308,700 Building $148,700 | |
| 2022 | $8,540.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 40 (1979–2021) |
| Claims Outside the SFHA | 5 of 40 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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.
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 | Direct burnable vegetation |
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 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
May also be available: AT&T.
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