220 Spencer Rd, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 220 Spencer Rd, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	3,611 sqft · built 1997
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on Record
Last Sale	$999,999 (Jun 2022)
Tax Bill	$19,945 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-02702-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`02-02702-0000-00015`
Alternative APNs	`02000980000000410002` `020009800000004102`

Interior

Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,611 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Construction Type	Frame
Lot Area	42,253 sqft (0.97 acres)
Garage Type	Attached

Location & Zoning

Old Parcel Number	020009800000004102
Street Address	220 SPENCER RD
City	BASKING RIDGE
State	NJ
Zip	07920-1850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	2702
Legal Lot Number	15
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	220 SPENCER RD, BASKING RIDGE, NJ 07920-1850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2022 · Amount on Record
Deed Sale	Jun 10, 2022 · Amount on Record
Prior Sale	Jul 11, 2003 · Amount on Record
Deed Document Number	202225676
Deed Book / Page	7448 / 3737
Prior Transfer Date	Nov 9, 2005
Prior Transfer Doc	0000087140
Record Updated	Sep 20, 2026

June 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jun 10, 2022
Property Address	220 SPENCER RD, BASKING RIDGE, NJ 07920-1850
Document Number	0000025676
Book / Page	7448 / 3737
Instrument Date	May 20, 2022
Instrument	2022025676
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1825 FRANKLIN WAY, 1825, ALLENTOWN, PA 18104-4458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 SPENCER RD, BASKING RIDGE, NJ 07920-1850

Mortgage

Document Number	0000025677
Date	Jun 10, 2022
Instrument	2022025677

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

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		$1,295,500 (+9.64%) Land $384,700 Building $910,800	$1,295,500 (+9.64%) Land $384,700 Building $910,800
2025	$19,945.00 (+3.28%)	$1,181,600 (+23.26%) Land $366,700 Building $814,900	$1,181,600 (+23.26%) Land $366,700 Building $814,900
2024	$19,312.00 (+9.42%)
2023		$958,600 Land $335,200 Building $623,400	$958,600 Land $335,200 Building $623,400
2022	$17,650.00

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	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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 120 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20