3B Cottingham Dr, Monroe Township, NJ 08831 Property Records

Middlesex County and Monroe Township property record for 3B Cottingham Dr, Monroe Township, NJ 08831

Property Summary

Property Type	Single Family Home
Details	1,404 sqft · built 1983
Lot Size	9.18 acres (4 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Jul 2022)
Tax Bill	$4,773 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-00027-1-00025-199`

Property Details

APN / Parcel Number

Primary APN	`12-00027-1-00025-199`
Alternative APN	`12000270001000250199`

Interior

Building Area	1,404 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	4 sqft

Location & Zoning

Street Address	3B COTTINGHAM DR
City	MONROE TOWNSHIP
State	NJ
Zip	08831-4869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRC
Legal Description	6,446 SF GLF CRSE
Legal Subdivision	COMMUNITIES/CONCORDIA SEC 18
Legal Block	27.1
Legal Lot Number	25.19
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2011
Census Tract	8205

Owner

3B Cottingham Dr is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3B COTTINGHAM DR, MONROE TOWNSHIP, NJ 08831-4869
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 2, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage FIRST CHOICE LN SVCS
Dec 18, 2018	Grant Deed, Construction Loan · Construction Mortgage LOAN FUNDER LLC SERIES 5732

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2022 · Amount on File
Deed Sale	Jul 15, 2022 · Amount on File
Prior Sale	May 2, 2019 · Amount on File
Deed Document Number	202264831
Deed Book / Page	18985 / 860
Record Updated	Sep 20, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Jul 15, 2022
Property Address	3B COTTINGHAM DR, MONROE TOWNSHIP, NJ 08831-4869
Document Number	0000064831
Book / Page	18985 / 860
Instrument Date	Jul 8, 2022
Instrument	2022064831
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	RIVER EDGE TITLE AGENCY LLC, RIVER EDGE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,796.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 COLUMBIA AVE, 14, MILLTOWN, NJ 08850-1002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3B COTTINGHAM DR, MONROE TOWNSHIP, NJ 08831-4869

Mortgage

Document Number	0000064832
Date	Jul 15, 2022
Instrument	2022064832

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	May 2, 2019
Property Address	3B COTTINGHAM DR, MONROE TOWNSHIP, NJ 08831-4869
Document Number	0000032983
Book / Page	017486 / 001360
Instrument Date	Apr 30, 2019
Instrument	32983
Transaction Type	Subdivision Related Transfer
Record Updated	May 20, 2019
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3B COTTINGHAM DR MONROE NJ 088314869, MONROE, NJ 08831-4869

Mortgage

Document Number	32984
Date	May 2, 2019
Book Page	017486/001366
Instrument	32984

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

December 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Dec 18, 2018
Property Address	3B COTTINGHAM DR, MONROE TOWNSHIP, NJ 08831-4869
Document Number	0000107611
Book / Page	017379 / 000333
Instrument Date	Nov 30, 2018
Instrument	107611
Transaction Type	Construction Loan
Record Updated	Jan 8, 2019
Title Company	PROPERTY TRANSFER SERVICES INC, PROPERTY TRANSFER SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3B COTTINGHAM DR MONROE NJ 088314869, MONROE, NJ 08831-4869

Mortgage

Document Number	107612
Date	Dec 18, 2018
Book Page	017379/000339
Instrument	107612

Lender

Name	LOAN FUNDER LLC SERIES 5732
Address	40 W 57TH ST # 2040, NEW YORK, NY 10019-4032

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3B Cottingham Dr was $4,773, up 3.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,200 (-) Land $60,000 Building $104,200	$164,200 (-) Land $60,000 Building $104,200
2025	$4,773.00 (+3.42%)	$164,200 Land $60,000 Building $104,200	$164,200 Land $60,000 Building $104,200
2024	$4,615.00
2023		$164,200 Land $60,000 Building $104,200	$164,200 Land $60,000 Building $104,200
2022	$4,379.00

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

Flood

FEMA maps place 3B Cottingham Dr 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

Wildfire risk around 3B Cottingham Dr 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 67% of the US · above 51% of New Jersey
Wildfire Likelihood	0.03% 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	MONROE TWP UTILITY DEPARTMENT serves 36,000 people · EPA ID NJ1213002
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	1 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	19 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 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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