Somerset County and Franklin Township property record for 20 Spring St, Somerset, NJ 08873
| Property Type | Single Family Home |
|---|---|
| Details | 1,575 sqft · built 1966 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jun 2005) |
| Tax Bill | $10,128 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-00350-0000-00020 |
| Primary APN | 08-00350-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,575 sqft Living Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Construction Type | Frame |
| Lot Area | 15,002 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 20 SPRING ST |
|---|---|
| City | SOMERSET |
| State | NJ |
| Zip | 08873-3331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Subdivision | HAMILTON LAKE ESTATES SEC 02 |
| Legal Block | 350 |
| Legal Lot Number | 20 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 53103 |
20 Spring St is owned and occupied by two individuals who bought it in June 2005.
Source: Somerset County and Franklin Township records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 SPRING ST, SOMERSET, NJ 08873-3331 |
| 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.
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Feb 19, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Sep 16, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2005 · Amount on File |
| Deed Sale | Jun 6, 2005 · Amount on File |
| Deed Document Number | 200538923 |
| Deed Book / Page | 5751 / 891 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Jul 30, 2026 |
| Property Address | 20 SPRING ST, SOMERSET, NJ 08873-3331 |
| Document Number | 0000021471 |
| Book / Page | 7694 / 2868 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202621471 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 20 SPRING ST, SOMERSET, NJ 08873-3331 |
| Document Number | 0000021471, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 7694/2868 |
| Instrument | 202621471 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 22, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 20 SPRING ST, SOMERSET, NJ 08873-3331 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000005634 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 7100/3255 |
| Instrument | 2019005634 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 7, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 20 SPRING ST, SOMERSET, NJ 08873-3331 |
| Document Number | 0000013033 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 SPRING ST SOMERSET NJ 088733331, SOMERSET, NJ 08873-3331 |
| Document Number | 0000013033 |
|---|---|
| Date | Mar 26, 2020 |
| Book Page | 007199/002624 |
| Instrument | 13033 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 25, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 20 SPRING ST, SOMERSET, NJ 08873-3331 |
| Document Number | 0000038400 |
| Instrument Date | Sep 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 20 SPRING ST SOMERSET NJ 088733331, SOMERSET, NJ 08873-3331 |
| Document Number | 0000038400 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 007157/002829 |
| Instrument | 38400 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 20 Spring St was $10,128, up 9.3% from the year before.
Source: Somerset County and Franklin Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| County Subdivision | Franklin Township |
| Unified School District | Franklin Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $575,100 (-) Land $364,800 Building $210,300 | $575,100 (-) Land $364,800 Building $210,300 | |
| 2025 | $10,128.00 (+9.28%) | $575,100 Land $364,800 Building $210,300 | $575,100 Land $364,800 Building $210,300 |
| 2024 | $9,268.00 | ||
| 2023 | $458,700 Land $314,800 Building $143,900 | $458,700 Land $314,800 Building $143,900 | |
| 2022 | $8,165.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Spring St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2013 · other causes |
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 Spring St is low, with less than 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 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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 | FRANKLIN TOWNSHIP DEPT OF PUBLIC WORKS serves 57,150 people · EPA ID NJ1808001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2021 |
| Monitoring and Reporting | 9 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 266 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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