Somerset County and Bernards Township property record for 20 Decker St, Basking Ridge, NJ 07920
| Property Type | Single Family Home |
|---|---|
| Details | 3,101 sqft · built 1996 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $970,000 (Jun 2021) |
| Tax Bill | $20,293 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-01301-0000-00009 |
| Primary APN | 02-01301-0000-00009 |
|---|---|
| Alternative APNs |
|
| Total Rooms | 8 Rooms |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,101 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 020009200000000302 |
|---|---|
| Street Address | 20 DECKER ST |
| City | BASKING RIDGE |
| State | NJ |
| Zip | 07920-2004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 |
| Legal Block | 1301 |
| Legal Lot Number | 9 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | BERNARDS |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 52400 |
20 Decker St is owned and occupied by two individuals who bought it in June 2021.
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 | 20 DECKER ST, BASKING RIDGE, NJ 07920-2004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2025 | Deed of Trust, Mortgage · Line of Credit KEARNY BANK |
| Jun 7, 2021 | Deed, Transfer · Conventional Mortgage KEARNY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2021 · Amount on File |
| Deed Sale | Jun 7, 2021 · Amount on File |
| Prior Sale | Sep 6, 2011 · Amount on File |
| Deed Document Number | 202135458 |
| Deed Book / Page | 7350 / 2460 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 20 DECKER ST, BASKING RIDGE, NJ 07920-2004 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000027716 |
|---|---|
| Date | Oct 6, 2025 |
| Book Page | 7642/2825 |
| Instrument | 2025027716 |
| Name | KEARNY BANK |
|---|---|
| Type | Bank |
| Address | FAIRFIELD, NJ 07004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 15, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Jun 7, 2021 |
| Property Address | 20 DECKER ST, BASKING RIDGE, NJ 07920-2004 |
| Document Number | 0000035458 |
| Book / Page | 7350 / 2460 |
| Instrument Date | May 24, 2021 |
| Instrument | 2021035458 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,227.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 DECKER ST, 20, BASKING RIDGE, NJ 07920-2004 |
| Name | Verified Name |
|---|---|
| Address | 20 DECKER ST, BASKING RIDGE, NJ 07920-2004 |
| Document Number | 0000035459 |
|---|---|
| Date | Jun 7, 2021 |
| Instrument | 2021035459 |
| Name | KEARNY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 20 Decker St was $20,293, up 8.9% 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 | $1,293,400 (+7.59%) Land $394,200 Building $899,200 | $1,293,400 (+7.59%) Land $394,200 Building $899,200 | |
| 2025 | $20,293.00 (+8.86%) | $1,202,200 Land $384,200 Building $818,000 | $1,202,200 Land $384,200 Building $818,000 |
| 2024 | $18,642.00 | ||
| 2023 | $977,400 Land $334,200 Building $643,200 | $977,400 Land $334,200 Building $643,200 | |
| 2022 | $18,181.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Decker St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1996.
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 | 12 (1996–2021) |
| Claims Outside the SFHA | 6 of 12 |
| 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 20 Decker St 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 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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