40 Cottage Ct, Hamilton (Trenton), NJ 08690 Property Records

Mercer County and Hamilton Township property record for 40 Cottage Ct, Hamilton, NJ 08690

Property Summary

Property Type	Single Family Home
Details	1,434 sqft · built 1942
Lot Size	0.108 acres (4,713 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2018)
Tax Bill	$8,528 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-01839-0000-00061`

Property Details

APN / Parcel Number

Primary APN	`03-01839-0000-00061`
Alternative APNs	`0300991000000010` `030183900061`

Interior

Stories	2 Stories
Building Area	1,434 sqft Living Area

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Construction Type	Frame
Lot Area	4,713 sqft (0.108 acres)
Lot Dimensions	115 ft deep x 41 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	0300991000000010
Street Address	40 COTTAGE CT
City	TRENTON
State	NJ
Zip	08690-3923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Description	09983-R3
Legal Subdivision	SQUARE ACRES
Legal Block	1839
Legal Lot Number	61
Jurisdiction	MERCER NJ
Township / Civil Division	HAMILTON
Census Block Group	3
Census Block	3004
Census Tract	3007

Owner

Source: Mercer County and Hamilton Township records, as of September 1, 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	40 COTTAGE CT, TRENTON, NJ 08690-3923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GARDEN STATE HOME LOANS INC
Sep 25, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 16, 2018	Trustee's Deed, Foreclosure TERRA ABSTRACT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2018 · Amount on Record
Deed Sale	Sep 25, 2018 · Amount on Record
Prior Sale	Jan 16, 2018
Deed Document Number	201841322
Deed Book / Page	6342 / 939
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER NJ
Recording Date	Aug 20, 2026
Property Address	40 COTTAGE CT, TRENTON, NJ 08690-3923
Document Number	0000033442
Book / Page	12072 / 1952
Instrument Date	Aug 4, 2026
Instrument	202633442
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 COTTAGE CT, TRENTON, NJ 08690-3923

Mortgage

Document Number	0000033442,
Date	Aug 20, 2026
Book Page	12072/1952
Instrument	202633442

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 9, 2051

Interest

Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER NJ
Property Address	40 COTTAGE CT, HAMILTON, NJ 08690-3923
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	HUNTER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020488
Date	May 15, 2020
Book Page	11488/1219
Instrument	2020020488

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER NJ
Property Address	40 COTTAGE CT, HAMILTON, NJ 08690-3923
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	HUNTER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031486
Date	May 19, 2021
Book Page	11619/928
Instrument	2021031486

Lender

Name	GARDEN STATE HOME LOANS INC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

September 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MERCER NJ
Recording Date	Sep 25, 2018
Property Address	40 COTTAGE CT, HAMILTON, NJ 08690-3923
Document Number	0000041322
Book / Page	06342 / 0939
Map Reference	MAP943
Instrument Date	Sep 20, 2018
Instrument	2018041322
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FORTUNE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,598.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9990 RICHMOND AVE STE 400, 9990, HOUSTON, TX 77042-4546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 GORDONHURST AVE # 12, 12, MONTCLAIR, NJ 07043-1760

Mortgage

Document Number	0000041323
Date	Sep 25, 2018
Book Page	11368/0867
Instrument	2018041323

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MERCER NJ
Recording Date	Jan 16, 2018
Property Address	40 COTTAGE CT, HAMILTON, NJ 08690-3923
Document Number	0000002114
Book / Page	006313 / 001713
Instrument Date	Dec 18, 2017
Instrument	2114
Transaction Type	Foreclosure
Record Updated	Feb 9, 2018
Title Company	TERRA ABSTRACT INC

Transaction

Amount	Amount Recorded
Tax	$464.10
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	500 DELAWARE AVE #11TH WILMINGTON DE 198011490, 11TH, WILMINGTON, DE 19801-1490

Tax Assessment & Valuation

Source: Mercer County and Hamilton Township assessment roll, as of July 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$230,000 (-) Land $90,600 Building $139,400	$230,000 (-) Land $90,600 Building $139,400
2025	$8,528.00 (+5.22%)	$230,000 (-) Land $90,600 Building $139,400	$230,000 (-) Land $90,600 Building $139,400
2024	$8,105.00 (+8.4%)
2023		$230,000 Land $90,600 Building $139,400	$230,000 Land $90,600 Building $139,400
2022	$7,477.00

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 May 23, 2024 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1984)
Most Recent Claim	Mar 1984 · tidal / storm surge

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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 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	AQUA NJ - HAMILTON SQUARE private · serves 39,128 people · EPA ID NJ1103001
Water Source	Purchased surface water from TRENTON WATER WORKS
Last State Inspection	Oct 2022
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 523 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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