Middlesex County and Old Bridge Township property record for 40 Oak St, Old Bridge, NJ 08857
| Property Type | Single Family Home |
|---|---|
| Details | 1,542 sqft · built 1927 |
| Lot Size | 1.48 acres (64,904 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (May 2018) |
| Tax Bill | $9,208 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-18092-0000-00021-12 |
| Primary APN | 15-18092-0000-00021-12 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,542 sqft Living Area |
| 1st Floor Area | 1,542 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Construction Type | Frame |
| Lot Area | 64,904 sqft |
| Lot Depth | 502 ft Depth |
| Account Number | 15139000 |
|---|---|
| Street Address | 40 OAK ST |
| City | OLD BRIDGE |
| State | NJ |
| Zip | 08857-1545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Description | 1.49AC |
| Legal Subdivision | BRUNSWICK GARDENS SECTIONS #1 |
| Legal Block | 18092 |
| Legal Lot Number | 21.12 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | OLD BRIDGE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 7704 |
40 Oak St is owned and occupied by an individual who bought it in May 2018.
Source: Middlesex County and Old Bridge Township records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 OAK ST, OLD BRIDGE, NJ 08857-1545 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2022 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 1, 2018 | Deed, Transfer · Conventional Mortgage UNITED MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2018 · Amount on File |
| Deed Sale | May 1, 2018 · Amount on File |
| Deed Document Number | 201839656 |
| Deed Book / Page | 17169 / 159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 40 OAK ST, OLD BRIDGE, NJ 08857-1545 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 40 OAK ST, OLD BRIDGE, NJ 08857-1545 |
| Document Number | 0000077800 |
|---|---|
| Date | Sep 1, 2022 |
| Book Page | 19027/1663 |
| Instrument | 2022077800 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 40 OAK ST, OLD BRIDGE, NJ 08857-1545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ALL AHEAD TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000089007 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 18037/1497 |
| Instrument | 2020089007 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | May 1, 2018 |
| Property Address | 40 OAK ST, OLD BRIDGE, NJ 08857-1545 |
| Document Number | 201800039656 |
| Book / Page | 17169 / 0159 |
| Instrument Date | Apr 18, 2018 |
| Instrument | 201800039656 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | ABSOLUTE TITLE AGE OF NJ LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,559.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 182 PESKIN RD, 182, FARMINGDALE, NJ 07727-3723 |
| Name | Verified Name |
|---|---|
| Address | 40 OAK ST, OLD BRIDGE, NJ 08857-1545 |
| Document Number | 201800039657 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 201800039657 |
| Name | UNITED MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 40 Oak St was $9,208, up 1% from the year before.
Source: Middlesex County and Old Bridge Township assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| County Subdivision | Old Bridge Township |
| Unified School District | Old Bridge Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $148,200 (-) Land $74,900 Building $73,300 | $148,200 (-) Land $74,900 Building $73,300 | |
| 2025 | $9,208.00 (+10.04%) | $148,200 Land $74,900 Building $73,300 | $148,200 Land $74,900 Building $73,300 |
| 2024 | $8,368.00 | ||
| 2023 | $148,200 Land $74,900 Building $73,300 | $148,200 Land $74,900 Building $73,300 | |
| 2022 | $7,844.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Oak St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.
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 | 6 in force |
| Nearby Flood Claims | 11 (1979–2012) |
| Claims Outside the SFHA | 5 of 11 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
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 risk around 40 Oak St 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 64% of the US · above 55% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 226 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures