Middlesex County and Old Bridge Township property record for 28 Ledge Ter, Old Bridge, NJ 08857
| Property Type | Single Family Home |
|---|---|
| Details | 1,788 sqft · built 1981 |
| Lot Size | 0.179 acres (7,802 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $362,500 (Apr 2007) |
| Tax Bill | $10,059 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Oct 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-15532-0000-00422 |
| Primary APN | 15-15532-0000-00422 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,788 sqft Living Area |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Frame |
| Lot Area | 7,802 sqft (0.179 acres) |
| Lot Dimensions | 104 ft deep x 75 ft wide |
| Account Number | 11148000 |
|---|---|
| Street Address | 28 LEDGE TER |
| City | OLD BRIDGE |
| State | NJ |
| Zip | 08857-3080 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | 75X104 |
| Legal Subdivision | LEDGE ESTATES |
| Legal Block | 15532 |
| Legal Lot Number | 422 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | OLD BRIDGE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 7805 |
Source: Middlesex County and Old Bridge Township records, as of June 30, 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 | 28 LEDGE TER, OLD BRIDGE, NJ 08857-3080 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 26, 2021 | Deed of Trust, Mortgage · Line of Credit PROVIDENT BANK |
| Dec 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2007 · Amount on Record |
| Deed Sale | Apr 3, 2007 · Amount on Record |
| Deed Book / Page | 5802 / 161 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 28 LEDGE TER, OLD BRIDGE, NJ 08857-3080 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 28 LEDGE TER, OLD BRIDGE, NJ 08857-3080 |
| Document Number | 0000016880 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | 19174/1274 |
| Instrument | 2023016880 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 8, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 28 LEDGE TER, OLD BRIDGE, NJ 08857-3080 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 28 LEDGE TER, OLD BRIDGE, NJ 08857-3080 |
| Document Number | 2021134231 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 18687/943 |
| Instrument | 2021134231 |
| Name | PROVIDENT BANK |
|---|---|
| Type | Bank |
| Address | ISELIN, NJ 08830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 28 LEDGE TER, OLD BRIDGE, NJ 08857-3080 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000009017 |
|---|---|
| Date | Dec 6, 2017 |
| Book Page | 17026/1164 |
| Instrument | 201700009017 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2047 |
Source: Middlesex County and Old Bridge Township assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| County Subdivision | Old Bridge Township |
| Unified School District | Old Bridge Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $161,900 (-) Land $71,000 Building $90,900 | $161,900 (-) Land $71,000 Building $90,900 | |
| 2025 | $10,059.00 (+10.03%) | $161,900 (-) Land $71,000 Building $90,900 | $161,900 (-) Land $71,000 Building $90,900 |
| 2024 | $9,142.00 (+6.69%) | ||
| 2023 | $161,900 Land $71,000 Building $90,900 | $161,900 Land $71,000 Building $90,900 | |
| 2022 | $8,569.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1979–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Feb 2011 · other causes |
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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 | OLD BRIDGE MUA serves 68,000 people · EPA ID NJ1209002 |
|---|---|
| Water Source | Purchased surface water from MIDDLESEX WATER COMPANY |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 215 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
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