Somerset County and Bernards Township property record for 16 Vail Ter, Basking Ridge, NJ 07920
| Property Type | Single Family Home |
|---|---|
| Details | 2,182 sqft · built 1963 |
| Lot Size | 1.76 acres (77,101 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $635,000 (Apr 2017) |
| Tax Bill | $13,506 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Feb 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02501-0000-00028 |
| Primary APN | 02-02501-0000-00028 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,182 sqft Living Area |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 77,101 sqft |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 0200095000000027 |
|---|---|
| Street Address | 16 VAIL TER |
| City | BASKING RIDGE |
| State | NJ |
| Zip | 07920-1839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Subdivision | BERNARDS MANOR SEC 2 |
| Legal Block | 2501 |
| Legal Lot Number | 28 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | BERNARDS |
| Census Block Group | 5 |
| Census Block | 5013 |
| Census Tract | 54100 |
16 Vail Ter is owned and occupied by two individuals who bought it in April 2017.
Source: Somerset County and Bernards Township records, as of July 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 VAIL TER, BASKING RIDGE, NJ 07920-1839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Feb 23, 2022 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Nov 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 23, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Apr 17, 2017 | Deed, Transfer · ARM LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2017 · Amount on File |
| Deed Sale | Apr 17, 2017 · Amount on File |
| Deed Document Number | 201714950 |
| Deed Book / Page | 6953 / 756 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 16 VAIL TER, BASKING RIDGE, NJ 07920-1839 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000029826 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | 7646/1317 |
| Instrument | 2025029826 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 16 VAIL TER, BASKING RIDGE, NJ 07920-1839 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000008014 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 7426/2832 |
| Instrument | 2022008014 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 16 VAIL TER, BASKING RIDGE, NJ 07920-1839 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000065562 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 7399/510 |
| Instrument | 2021065562 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 16 VAIL TER, BASKING RIDGE, NJ 07920-1839 |
| Document Number | 0000004280 |
| Instrument Date | Jan 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 16 VAIL TER BASKING RIDGE NJ 079201839, BASKING RIDGE, NJ 07920-1839 |
| Document Number | 0000004280 |
|---|---|
| Date | Jan 29, 2020 |
| Book Page | 007185/002316 |
| Instrument | 4280 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Apr 17, 2017 |
| Property Address | 16 VAIL TER, BASKING RIDGE, NJ 07920-1839 |
| Document Number | 0000014950 |
| Book / Page | 6953 / 0756 |
| Instrument Date | Apr 5, 2017 |
| Instrument | 2017014950 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16 VAILL TERTACE, 16, BASKING RIDGE, NJ 07920 |
| Name | Verified Name |
|---|---|
| Address | 16 VAIL TER, BASKING RIDGE, NJ 07920-1839 |
| Document Number | 0000014951 |
|---|---|
| Date | Apr 17, 2017 |
| Instrument | 2017014951 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | May 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.87% |
| Index | 1-Year CMT |
| Max Rate | 9.87% |
| Document Number | 0000014952 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 6953/0782 |
| Instrument | 2017014952 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 23, 2047 |
The 2025 property tax bill for 16 Vail Ter was $13,506, up 5.4% from the year before.
Source: Somerset County and Bernards Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| County Subdivision | Bernards Township |
| Unified School District | Bernards Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $858,100 (+7.25%) Land $378,600 Building $479,500 | $858,100 (+7.25%) Land $378,600 Building $479,500 | |
| 2025 | $13,506.00 (+5.39%) | $800,100 Land $378,600 Building $421,500 | $800,100 Land $378,600 Building $421,500 |
| 2024 | $12,815.00 | ||
| 2023 | $685,700 Land $353,100 Building $332,600 | $685,700 Land $353,100 Building $332,600 | |
| 2022 | $13,340.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Vail Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 6 (1999–2021) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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 16 Vail Ter 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 | 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 | NJ AMERICAN WATER - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 126 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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