4 Bruce St, Old Bridge, NJ 08857 Property Records

Middlesex County and Old Bridge Township property record for 4 Bruce St, Old Bridge, NJ 08857

Property Summary

Property Type	Single Family Home
Details	2,273 sqft · built 1958
Lot Size	0.156 acres (6,800 sqft)
Owner	2 Individual Names on File
Last Sale	$378,000 (Dec 2016)
Tax Bill	$11,196 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-15524-0000-00182`

Property Details

APN / Parcel Number

Primary APN	`15-15524-0000-00182`
Alternative APNs	`151552400182` `10911000`

Interior

Stories	1 Story
Building Area	2,273 sqft Living Area
1st Floor Area	2,273 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	10911000
Street Address	4 BRUCE ST
City	OLD BRIDGE
State	NJ
Zip	08857-2541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	68X100
Legal Subdivision	CRESTWOOD SEC
Legal Block	15524
Legal Lot Number	182
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	OLD BRIDGE
Census Block Group	3
Census Block	3006
Census Tract	7805

Owner

4 Bruce St is owned and occupied by two individuals who bought it in December 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 BRUCE ST, OLD BRIDGE, NJ 08857-2541
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
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 12, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2016 · Amount on File
Deed Sale	Dec 10, 2016 · Amount on File
Prior Sale	Nov 7, 1996 · Amount on File
Deed Document Number	2016594
Deed Book / Page	6904 / 199
Prior Transfer Date	Nov 14, 2008
Prior Transfer Doc	0000000377
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Recording Date	Apr 10, 2026
Property Address	4 BRUCE ST, OLD BRIDGE, NJ 08857-2541
Document Number	0000022955
Book / Page	19995 / 1264
Instrument Date	Mar 31, 2026
Instrument	202622955
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BRUCE ST, OLD BRIDGE, NJ 08857-2541

Mortgage

Document Number	0000022955,
Date	Apr 10, 2026
Book Page	19995/1264
Instrument	202622955

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2056

Interest

Rate	6%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	4 BRUCE ST, OLD BRIDGE, NJ 08857-2541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000113535
Date	Nov 12, 2020
Book Page	18125/1406
Instrument	2020113535

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4 Bruce St was $11,196, up 1% from the year before.

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		$180,200 (-) Land $69,600 Building $110,600	$180,200 (-) Land $69,600 Building $110,600
2025	$11,196.00 (+10.02%)	$180,200 Land $69,600 Building $110,600	$180,200 Land $69,600 Building $110,600
2024	$10,176.00
2023		$180,200 Land $69,600 Building $110,600	$180,200 Land $69,600 Building $110,600
2022	$9,537.00

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 4 Bruce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1992.

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

Wildfire risk around 4 Bruce St is low, with a 0.01% annual chance of 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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