538 E Main St, Bridgewater, NJ 08807 Property Records

Somerset County and Bridgewater Township property record for 538 E Main St, Bridgewater, NJ 08807 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,066 sqft · built 1930
Lot Size	0.399 acres (17,376 sqft)
Owner	2 Individual Names on File
Last Sale	$319,500 (May 2019)
Tax Bill	$7,177 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-00311-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`06-00311-0000-00001`
Alternative APNs	`060031100001` `S001`

Interior

Stories	1 Story
Building Area	1,066 sqft Living Area
1st Floor Area	1,066 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	17,376 sqft (0.399 acres)
Lot Dimensions	125 ft deep x 139 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	S001
Street Address	538 E MAIN ST
City	BRIDGEWATER
State	NJ
Zip	08807-3234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SUNNYSIDE TER/FINDERNE
Legal Block	311
Legal Lot Number	1
Jurisdiction	SOMERSET NJ
Township / Civil Division	BRIDGEWATER
Census Block Group	3
Census Block	3013
Census Tract	51000

Owner

Source: Somerset County and Bridgewater Township records · APN 06-00311-0000-00001

Assessment roll updated July 7, 2026 · Last verified July 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	538 E MAIN ST, BRIDGEWATER, NJ 08807-3234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 01, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNION BUILDING TRADES FCU
Feb 15, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
May 01, 2019	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2019 · Amount on Record
Deed Sale	May 01, 2019 · Amount on Record
Prior Sale	Jan 15, 2016 · Amount on Record
Deed Document Number	201914603
Deed Book / Page	7114 / 2688
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	538 E MAIN ST, BRIDGEWATER, NJ 08807-3234
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027217
Date	Oct 01, 2025
Book Page	7641/3242
Instrument	2025027217

Lender

Name	UNION BUILDING TRADES FCU
Type	Credit Union
Address	PARSIPPANY, NJ 07054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 15, 2040

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	538 E MAIN ST, BRIDGEWATER, NJ 08807-3234
Document Number	0000008540
Instrument Date	Feb 15, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	538 E MAIN ST BRIDGEWATER NJ 088073234, BRIDGEWATER, NJ 08807-3234

Mortgage

Document Number	0000008540
Date	Feb 26, 2020
Book Page	007192/001915
Instrument	8540

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	May 01, 2019
Property Address	538 E MAIN ST, BRIDGEWATER, NJ 08807-3234
Document Number	0000014603
Book / Page	007114 / 002688
Instrument Date	Apr 25, 2019
Instrument	14603
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	NFTS TITLE AGENCY LLC, NRT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$319.50
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	538 E MAIN ST BRIDGEWATER NJ 088073234, BRIDGEWATER, NJ 08807-3234

Mortgage

Document Number	14604
Date	May 01, 2019
Book Page	007114/002694
Instrument	14604

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2049

Tax Assessment & Valuation

Source: Somerset County and Bridgewater Township records · Assessment roll updated July 7, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$405,200 (+9.93%) Land $238,900 Building $166,300	$405,200 (+9.93%) Land $238,900 Building $166,300
2025	$7,177.00 (-0.58%)	$368,600 (+9.18%) Land $218,900 Building $149,700	$368,600 (+9.18%) Land $218,900 Building $149,700
2024	$7,219.00 (+14.37%)
2023		$337,600 Land $218,900 Building $118,700	$337,600 Land $218,900 Building $118,700
2022	$6,312.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Somerset County (34035C), updated September 3, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340350510003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force
Nearby Flood Claims	9 (2007)
Most Recent Claim	Apr 2007, river or lake flooding, Severe Storms And Inland And Coastal Flooding
Claims By Storm	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 9 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 343 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Fiber	8,000 / 8,000
Verizon	Fiber	2,300 / 2,300
Optimum Communications	Cable	940 / 35
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures