Middlesex County and Sayreville Borough property record for 3 Kosmoski Ter, Parlin, NJ 08859
| Property Type | Single Family Home |
|---|---|
| Details | built 2003 |
| Lot Size | 0.018 acres (778 sqft) |
| Owner | Individual Name on File |
| Last Sale | $525,000 (Jun 2026) |
| Tax Bill | $8,706 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-00449-0000-00010-12-C0102 |
| Primary APN | 19-00449-0000-00010-12-C0102 |
|---|---|
| Alternative APN |
|
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Condo/Apartment |
| Lot Area | 778 sqft (0.018 acres) |
| Street Address | 3 KOSMOSKI TER |
|---|---|
| City | PARLIN |
| State | NJ |
| Zip | 08859-3174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 LOT |
| Legal Subdivision | LA MER IVB CONDO BLDG 01 |
| Legal Block | 449 |
| Legal Lot Number | 10.12 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | SAYREVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 7306 |
3 Kosmoski Ter is owned and occupied by an individual who bought it in June 2026.
Source: Middlesex County and Sayreville Borough records, as of July 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 KOSMOSKI TER, PARLIN, NJ 08859-3174 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
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 |
|---|---|
| Jun 29, 2026 | Deed, Transfer · FHA Mortgage MERIDIAN BANK |
| Jan 6, 2026 | Deed, Transfer · Construction Mortgage BPL MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on File |
| Deed Sale | Jun 29, 2026 · Amount on File |
| Prior Sale | Jan 6, 2026 · Amount on File |
| Deed Document Number | 202640865 |
| Deed Book / Page | 20059 / 954 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jun 29, 2026 |
| Property Address | 3 KOSMOSKI TER, PARLIN, NJ 08859-3174 |
| Document Number | 0000040865 |
| Book / Page | 20059 / 954 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202640865 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | TRIDENT LAND TRANSFER COMPANY, TRIDENT LAND TRANSFER |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $53,025.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 KOSMOSKI TER, PARLIN, NJ 08859-3174 |
| Document Number | 0000040866, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 202640866 |
| Name | MERIDIAN BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000040867, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 20059/976 |
| Instrument | 202640867 |
| Name | NJ HOUSING AND MORTGAGE FINANCIAL AGENCY |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Jun 16, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Jan 6, 2026 |
| Property Address | 3 KOSMOSKI TER, PARLIN, NJ 08859-3174 |
| Document Number | 0000000966 |
| Book / Page | 19919 / 337 |
| Instrument Date | Nov 12, 2025 |
| Instrument | 2026000966 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | CLEAR SKIES TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,831.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 STATION DR APT 1620, 1620, AVENEL, NJ 07001-1797 |
| Name | Verified Name |
|---|---|
| Address | 3 KOSMOSKI TER, PARLIN, NJ 08859-3174 |
| Document Number | 0000000967 |
|---|---|
| Date | Jan 6, 2026 |
| Book Page | 19919/344 |
| Instrument | 2026000967 |
| Name | BPL MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VILLA PARK, IL 60181 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 1, 2027 |
The 2025 property tax bill for 3 Kosmoski Ter was $8,706, up 2.5% from the year before.
Source: Middlesex County and Sayreville Borough assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| Municipality | Sayreville Borough |
| Unified School District | Sayreville Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $139,100 (-) Land $35,000 Building $104,100 | $139,100 (-) Land $35,000 Building $104,100 | |
| 2025 | $8,706.00 (+2.52%) | $139,100 Land $35,000 Building $104,100 | $139,100 Land $35,000 Building $104,100 |
| 2024 | $8,492.00 | ||
| 2023 | $139,100 Land $35,000 Building $104,100 | $139,100 Land $35,000 Building $104,100 | |
| 2022 | $7,713.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3 Kosmoski Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 16, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3 Kosmoski Ter is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 52% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SAYREVILLE W DEPT serves 45,345 people · EPA ID NJ1219001 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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