3 Bruce St, Old Bridge, NJ 08857 Property Records

Middlesex County and Old Bridge Township property record for 3 Bruce St, Old Bridge, NJ 08857

Property Summary

Property Type	Single Family Home
Details	1,498 sqft · built 1958
Lot Size	0.156 acres (6,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,189 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`15-15525-0000-00211`

Property Details

APN / Parcel Number

Primary APN	`15-15525-0000-00211`
Alternative APNs	`151552500211` `10940000`

Interior

Stories	1 Story
Building Area	1,498 sqft Living Area
1st Floor Area	1,498 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Lot Area	6,800 sqft (0.156 acres)
Lot Dimensions	100 ft deep x 68 ft wide

Location & Zoning

Account Number	10940000
Street Address	3 BRUCE ST
City	OLD BRIDGE
State	NJ
Zip	08857-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	68X100
Legal Subdivision	CRESTWOOD SEC 1
Legal Block	15525
Legal Lot Number	211
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	OLD BRIDGE
Census Block Group	3
Census Block	3005
Census Tract	7805

Owner

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	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Nov 19, 2024	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Nov 5, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 25, 2026	Intrafamily Transfer, Transfer · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Nov 2, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 14, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Nov 15, 2018	Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2026
Deed Sale	Feb 25, 2026
Prior Sale	Nov 15, 2018 · Amount on Record
Deed Document Number	202611890
Deed Book / Page	19957 / 882
Prior Transfer Date	Feb 13, 2026
Prior Transfer Doc	0000011890
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094234
Date	Nov 3, 2022
Book Page	19082/772
Instrument	2022094234

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMTS & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066917
Date	Nov 19, 2024
Book Page	19597/1562
Instrument	2024066917

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138120
Date	Nov 5, 2021
Book Page	18701/159
Instrument	2021138120

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDDLESEX NJ
Recording Date	Feb 25, 2026
Property Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540
Document Number	0000011890
Book / Page	19957 / 882
Instrument Date	Feb 13, 2026
Instrument	2026011890
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMTS & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540

Mortgage

Document Number	0000011891
Date	Feb 25, 2026
Instrument	2026011891

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108269
Date	Nov 2, 2020
Book Page	18106/1193
Instrument	2020108269

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540
Document Number	0000099305
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BRUCE ST OLD BRIDGE NJ 088572540, OLD BRIDGE, NJ 08857-2540

Mortgage

Document Number	0000099305
Date	Nov 21, 2019
Book Page	017697/000584
Instrument	99305

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2049

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Nov 15, 2018
Property Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540
Document Number	201800098649
Book / Page	17352 / 0294
Map Reference	MAP2228 FILE946
Instrument Date	Nov 13, 2018
Instrument	201800098649
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,949.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 BRUCE ST, 3, OLD BRIDGE, NJ 08857-2540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BRUCE ST, OLD BRIDGE, NJ 08857-2540

Mortgage

Document Number	201800098650
Date	Nov 15, 2018
Instrument	201800098650

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Middlesex County and Old Bridge Township assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
County Subdivision	Old Bridge Township
Unified School District	Old Bridge Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$147,900 (-) Land $69,600 Building $78,300	$147,900 (-) Land $69,600 Building $78,300
2025	$9,189.00 (+10.03%)	$147,900 (-) Land $69,600 Building $78,300	$147,900 (-) Land $69,600 Building $78,300
2024	$8,351.00 (+6.68%)
2023		$147,900 Land $69,600 Building $78,300	$147,900 Land $69,600 Building $78,300
2022	$7,828.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1992–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 409 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

May also be available: Xfinity.

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