20 Watchung Dr, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 20 Watchung Dr, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	2,634 sqft · built 1999
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$408,688 (Sep 1999)
Tax Bill	$19,302 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-10507-0000-00040`

Property Details

APN / Parcel Number

Primary APN	`02-10507-0000-00040`
Alternative APNs	`0200174002400040` `02001742400040`

Interior

Building Area	2,634 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Old Parcel Number	02001742400040
Street Address	20 WATCHUNG DR
City	BASKING RIDGE
State	NJ
Zip	07920-4240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD5
Legal Description	ADDITIONAL LOTS: NORFOLK N E
Legal Subdivision	HILLS PH 1 SEC 3 7 23
Legal Block	10507
Legal Lot Number	40
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDS
Census Block Group	1
Census Block	1005
Census Tract	52605

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	20 WATCHUNG DR, BASKING RIDGE, NJ 07920-4240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Sep 25, 2018	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 1999 · Amount on Record
Deed Sale	Sep 9, 1999 · Amount on Record
Deed Book / Page	2256 / 28
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	20 WATCHUNG DR, BASKING RIDGE, NJ 07920-4240
Transaction Type	Mortgage
Record Updated	Sep 24, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055177
Date	Sep 14, 2021
Book Page	7382/1187
Instrument	2021055177

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company
Address	CHESTER, NJ 07930

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	20 WATCHUNG DR, BASKING RIDGE, NJ 07920-4240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036594
Date	Sep 25, 2018
Book Page	7073/2722
Instrument	2018036594

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	READING, PA 19601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	20 WATCHUNG DR, BASKING RIDGE, NJ 07920-4240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048240
Date	Dec 13, 2019
Book Page	7174/0650
Instrument	2019048240

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 16, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	20 WATCHUNG DR, BASKING RIDGE, NJ 07920-4240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC NATL TTL INSURA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031617
Date	Aug 26, 2019
Book Page	7146/0447
Instrument	2019031617

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company
Address	CHESTER, NJ 07930

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2039

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	20 WATCHUNG DR, BASKING RIDGE, NJ 07920-4240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038684
Date	Aug 26, 2020
Book Page	7242/181
Instrument	2020038684

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company
Address	CHESTER, NJ 07930

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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		$1,192,600 (+4.29%) Land $375,300 Building $817,300	$1,192,600 (+4.29%) Land $375,300 Building $817,300
2025	$19,302.00 (+9.6%)	$1,143,500 (+25.01%) Land $375,300 Building $768,200	$1,143,500 (+25.01%) Land $375,300 Building $768,200
2024	$17,612.00 (+7.75%)
2023		$914,700 Land $294,500 Building $620,200	$914,700 Land $294,500 Building $620,200
2022	$16,345.00

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

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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024 · rainfall accumulation

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	Direct burnable vegetation

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 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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