760 Harding Rd, Bridgewater, NJ 08807 Property Records

Somerset County and Bridgewater Township property record for 760 Harding Rd, Bridgewater, NJ 08807

Property Summary

Property Type	Single Family Home
Details	1,580 sqft · built 1964
Lot Size	1.31 acres (57,064 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jan 2017)
Tax Bill	$8,767 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-00477-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`06-00477-0000-00008`
Alternative APNs	`060047700008` `S001`

Interior

Stories	1 Story
Building Area	1,580 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Lot Area	57,064 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	S001
Street Address	760 HARDING RD
City	BRIDGEWATER
State	NJ
Zip	08807-1342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	477
Legal Lot Number	8
Jurisdiction	SOMERSET NJ
Township / Civil Division	BRIDGEWATER
Census Block Group	2
Census Block	2022
Census Tract	50802

Owner

760 Harding Rd is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	760 HARDING RD, BRIDGEWATER, NJ 08807-1342
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE
Jan 17, 2017	Grant Deed, Transfer · Conventional with PMI MORTGAGE MASTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2017 · Amount on File
Deed Sale	Jan 17, 2017 · Amount on File
Prior Sale	Nov 6, 1996 · Amount on File
Deed Document Number	20172373
Deed Book / Page	6935 / 1975
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	760 HARDING RD, BRIDGEWATER, NJ 08807-1342
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057862
Date	Sep 28, 2021
Book Page	7386/2708
Instrument	2021057862

Lender

Name	MLD MORTGAGE
Type	Mortgage Company
Address	FLORHAM PARK, NJ 07932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	217 Months
Due	Oct 1, 2039

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	760 HARDING RD, BRIDGEWATER, NJ 08807-1342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060840
Date	Dec 1, 2020
Book Page	7279/1542
Instrument	2020060840

Lender

Name	MLD MORTGAGE
Type	Mortgage Company
Address	FLORHAM PARK, NJ 07932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	228 Months
Due	Dec 1, 2039

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	760 HARDING RD, BRIDGEWATER, NJ 08807-1342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	QUALITY TTL & ABSTRACT AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016826
Date	Apr 23, 2020
Book Page	7206/592
Instrument	2020016826

Lender

Name	MLD MORTGAGE
Type	Mortgage Company
Address	FLORHAM PARK, NJ 07932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jan 17, 2017
Property Address	760 HARDING RD, BRIDGEWATER, NJ 08807-1342
Document Number	0000002373
Book / Page	006935 / 001975
Instrument Date	Jan 7, 2017
Instrument	2373
Transaction Type	Transfer
Record Updated	Mar 15, 2017
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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	760 HARDING RD BRIDGEWATER NJ 088071342, BRIDGEWATER, NJ 08807-1342

Mortgage

Document Number	2374
Date	Jan 17, 2017
Book Page	006935/001981

Lender

Name	MORTGAGE MASTER
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 760 Harding Rd was $8,767, up 2.3% from the year before.

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		$477,400 (+5.04%) Land $330,500 Building $146,900	$477,400 (+5.04%) Land $330,500 Building $146,900
2025	$8,767.00 (+2.27%)	$454,500 Land $320,500 Building $134,000	$454,500 Land $320,500 Building $134,000
2024	$8,572.00
2023		$428,100 Land $320,500 Building $107,600	$428,100 Land $320,500 Building $107,600
2022	$8,487.00

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

Flood

FEMA maps place 760 Harding Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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	9 in force
Nearby Flood Claims	9 (1978–2021)
Claims Outside the SFHA	4 of 9
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

Wildfire risk around 760 Harding Rd is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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 97 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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