643 E Main St, Bridgewater, NJ 08807 Property Records

Somerset County and Bridgewater Township property record for 643 E Main St, Bridgewater, NJ 08807

Property Summary

Property Type	Commercial
Lot Size	0.29 acres (12,637 sqft)
Owner	Individual Name on File
Tax Bill	$14,597 (2025)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-00254-0000-00049`

Property Details

APN / Parcel Number

Primary APN	`06-00254-0000-00049`
Alternative APNs	`060025400049` `C002`

Interior

Stories	1 Story

Exterior

Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	12,637 sqft (0.29 acres)
Lot Dimensions	95 ft deep x 133 ft wide

Location & Zoning

Account Number	C002
Street Address	643 E MAIN ST
City	BRIDGEWATER
State	NJ
Zip	08807-3341
Property Category	Commercial
Property Type	Commercial > Retail
Legal Subdivision	FINDERNE PARK
Legal Block	254
Legal Lot Number	49
Jurisdiction	SOMERSET NJ
Township / Civil Division	BRIDGEWATER
Census Block Group	2
Census Block	2008
Census Tract	51000

Owner

Source: Somerset County and Bridgewater Township records · APN 06-00254-0000-00049

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	Individual Name on File
Mailing Address	643 E MAIN ST, BRIDGEWATER, NJ 08807-3341
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	643 E MAIN ST, BRIDGEWATER, NJ 08807-3341
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025537
Date	Jun 29, 2017
Book Page	6970/1017
Instrument	2017025537

Lender

Name	PROVIDENT BANK
Type	Subprime Lender
Address	ISELIN, NJ 08830

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$824,700 (+1%) Land $214,500 Building $610,200	$824,700 (+1%) Land $214,500 Building $610,200
2025	$14,597.00 (+13.61%)	$749,700 (+26.51%) Land $214,500 Building $535,200	$749,700 (+26.51%) Land $214,500 Building $535,200
2024	$12,848.00 (+6.02%)
2023		$592,600 Land $214,500 Building $378,100	$592,600 Land $214,500 Building $378,100
2022	$12,119.00

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 340350510002, 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	24 (1979–2021)
Claims Outside the SFHA	1 of 24
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 5 claims Hurricane Irene, Aug 2011 · 4 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 claims

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 · sampled at 236 locations within half a mile · Last verified October 2026

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

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	NJ AMERICAN WATER - RARITAN private · serves 615,430 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.