18 Spencer Rd, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 18 Spencer Rd, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	2,963 sqft · built 1950
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,149,000 (Apr 2023)
Tax Bill	$19,707 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-01806-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`02-01806-0000-00005`
Alternative APN	`0200098000000005`

Interior

Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,963 sqft Living Area
1st Floor Area	2,963 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Construction Type	Frame
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	0200098000000005
Street Address	18 SPENCER RD
City	BASKING RIDGE
State	NJ
Zip	07920-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Subdivision	GARDEN HOMES RIDGEVIEW SEC 1 2
Legal Block	1806
Legal Lot Number	5
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDS
Census Block Group	2
Census Block	2005
Census Tract	52400

Owner

Source: Somerset County and Bernards Township records, 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 Record
Mailing Address	18 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 23, 2021	Deed, Transfer · Stand-Alone First Mortgage JEFFREY KOLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Prior Sale	Jul 23, 2021 · Amount on Record
Deed Document Number	20239283
Deed Book / Page	7501 / 1229
Record Updated	Sep 20, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Apr 14, 2023
Property Address	18 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Document Number	0000009283
Book / Page	7501 / 1229
Instrument Date	Mar 31, 2023
Instrument	2023009283
Transaction Type	Transfer
Record Updated	Apr 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,377.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 WALNUT ST, MONTCLAIR, NJ 07042-3852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 SPENCER RD, BASKING RIDGE, NJ 07920-1820

Mortgage

Document Number	0000009284
Date	Apr 14, 2023
Instrument	2023009284

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 1, 2048

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jul 23, 2021
Property Address	18 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Document Number	0000045013
Book / Page	7365 / 3132
Instrument Date	Jul 14, 2021
Instrument	2021045013
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,667.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 SPENCER RD, 18, BASKING RIDGE, NJ 07920-1820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 SPENCER RD, BASKING RIDGE, NJ 07920-1820

Mortgage

Document Number	0000045014
Date	Jul 23, 2021
Instrument	2021045014

Lender

Name	JEFFREY KOLE
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 20, 2022

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,241,800 (+6.36%) Land $390,800 Building $851,000	$1,241,800 (+6.36%) Land $390,800 Building $851,000
2025	$19,707.00 (+5.84%)	$1,167,500 (+154.25%) Land $381,300 Building $786,200	$1,167,500 (+154.25%) Land $381,300 Building $786,200
2024	$18,619.00 (+112.23%)
2023		$459,200 Land $343,300 Building $115,900	$459,200 Land $343,300 Building $115,900
2022	$8,773.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1999–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2024 · river or lake flooding

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	None beyond ember reach

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 - 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 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

May also be available: T-Mobile.

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