38 Thomas St, Old Bridge, NJ 08857 Property Records

Middlesex County and Old Bridge Township property record for 38 Thomas St, Old Bridge, NJ 08857

Property Summary

Property Type	Single Family Home
Details	1,354 sqft · built 1958
Lot Size	0.209 acres (9,087 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,127 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-15549-0000-00196`

Property Details

APN / Parcel Number

Primary APN	`15-15549-0000-00196`
Alternative APNs	`151554900196` `11463000`

Interior

Stories	1 Story
Building Area	1,354 sqft Living Area
1st Floor Area	1,354 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Lot Area	9,087 sqft (0.209 acres)
Lot Dimensions	142 ft deep x 64 ft wide

Location & Zoning

Account Number	11463000
Street Address	38 THOMAS ST
City	OLD BRIDGE
State	NJ
Zip	08857-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	64X142
Legal Subdivision	CRESTWOOD SEC 2
Legal Block	15549
Legal Lot Number	196
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	OLD BRIDGE
Census Block Group	2
Census Block	2001
Census Tract	7805

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 THOMAS ST, OLD BRIDGE, NJ 08857-2240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 1986
Deed Sale	Oct 31, 1986
Deed Book / Page	3569 / 695
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	38 THOMAS ST, OLD BRIDGE, NJ 08857-2240
Document Number	0000011337
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 THOMAS ST OLD BRIDGE NJ 088572240, OLD BRIDGE, NJ 08857-2240

Mortgage

Document Number	0000011337
Date	May 10, 2017
Book Page	016764/000166
Instrument	11337

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2047

Interest

Rate Type	Adjustable Rate

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		$146,900 (-) Land $71,300 Building $75,600	$146,900 (-) Land $71,300 Building $75,600
2025	$9,127.00 (+10.03%)	$146,900 (-) Land $71,300 Building $75,600	$146,900 (-) Land $71,300 Building $75,600
2024	$8,295.00 (+6.69%)
2023		$146,900 Land $71,300 Building $75,600	$146,900 Land $71,300 Building $75,600
2022	$7,775.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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.

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 702 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