488 Steele Gap Rd, Bridgewater, NJ 08807 Property Records

Somerset County and Bridgewater Township property record for 488 Steele Gap Rd, Bridgewater, NJ 08807

Property Summary

Property Type	Single Family Home
Details	2,986 sqft · built 1975
Lot Size	1.04 acres (45,542 sqft)
Owner	2 Individual Names on File
Last Sale	$956,000 (Oct 2023)
Tax Bill	$15,085 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-00711-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`06-00711-0000-00027`
Alternative APNs	`060071100027` `S001`

Interior

Stories	2 Stories
Building Area	2,986 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	45,542 sqft
Lot Dimensions	330 ft deep x 138 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	S001
Street Address	488 STEELE GAP RD
City	BRIDGEWATER
State	NJ
Zip	08807-2339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R50
Legal Subdivision	STEELE GAP
Legal Block	711
Legal Lot Number	27
Jurisdiction	SOMERSET NJ
Township / Civil Division	BRIDGEWATER
Census Block Group	2
Census Block	2001
Census Tract	50902

Owner

Source: Somerset County and Bridgewater Township assessment roll, as of July 7, 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 File
Mailing Address	488 STEELE GAP RD, BRIDGEWATER, NJ 08807-2339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Oct 6, 2023	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit POLICE & FIRE FCU
Jun 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage POLICE & FIRE FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 6, 2023 · Amount on Record
Deed Sale	Oct 6, 2023 · Amount on Record
Prior Sale	Aug 2, 2010 · Amount on Record
Deed Document Number	202326169
Deed Book / Page	7528 / 94
Prior Transfer Date	Jul 8, 2011
Prior Transfer Doc	0000039199
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	488 STEELE GAP RD, BRIDGEWATER, NJ 08807-2339
Transaction Type	Mortgage
Record Updated	Nov 24, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 STEELE GAP RD, BRIDGEWATER, NJ 08807-2339

Mortgage

Document Number	0000031859
Date	Nov 12, 2025
Book Page	7649/3340
Instrument	2025031859

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Oct 6, 2023
Property Address	488 STEELE GAP RD, BRIDGEWATER, NJ 08807-2339
Document Number	0000026169
Book / Page	7528 / 94
Instrument Date	Oct 2, 2023
Instrument	2023026169
Transaction Type	Transfer
Record Updated	Oct 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,397.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 DAVENPORT ST UNIT 402, 402, SOMERVILLE, NJ 08876-2131

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 STEELE GAP RD, BRIDGEWATER, NJ 08807-2339

Mortgage

Document Number	0000026170
Date	Oct 6, 2023
Instrument	2023026170

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	488 STEELE GAP RD, BRIDGEWATER, NJ 08807-2339
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068134
Date	Nov 19, 2021
Book Page	7403/700
Instrument	2021068134

Lender

Name	POLICE & FIRE FCU
Type	Credit Union
Address	BENSALEM, PA 19020

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 27, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	488 STEELE GAP RD, BRIDGEWATER, NJ 08807-2339
Document Number	0000026967
Instrument Date	Jun 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 STEELE GAP RD BRIDGEWATER NJ 088072339, BRIDGEWATER, NJ 08807-2339

Mortgage

Document Number	0000026967
Date	Jun 26, 2020
Book Page	007222/002594
Instrument	26967

Lender

Name	POLICE & FIRE FCU
Address	BENSALEM, PA 19020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

Source: Somerset County and Bridgewater Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
County Subdivision	Bridgewater Township
Unified School District	Bridgewater-Raritan Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$846,700 (+8.27%) Land $341,800 Building $504,900	$846,700 (+8.27%) Land $341,800 Building $504,900
2025	$15,085.00 (-0.37%)	$782,000 (+12.52%) Land $321,800 Building $460,200	$782,000 (+12.52%) Land $321,800 Building $460,200
2024	$15,141.00 (+14.57%)
2023		$695,000 (+7.97%) Land $321,800 Building $373,200	$695,000 (+7.97%) Land $321,800 Building $373,200
2022	$13,215.00 (+0.77%)	$643,700 Land $321,800 Building $321,900	$643,700 Land $321,800 Building $321,900
2021	$13,114.00

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 September 3, 2025 · 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	1 in force
Nearby Flood Claims	4 (1978–2021)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims

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	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NJ AMERICAN WATER - RARITAN private · serves 615,430 people · EPA ID NJ2004002
Water Source	Surface water
Last State Inspection	Jun 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	None 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile USA.

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