24 Spencer Rd, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 24 Spencer Rd, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	1,664 sqft · built 1947
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Dec 2002)
Tax Bill	$11,770 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-01806-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`02-01806-0000-00006`
Alternative APN	`0200098000000006`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,664 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	0200098000000006
Street Address	24 SPENCER RD
City	BASKING RIDGE
State	NJ
Zip	07920-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Block	1806
Legal Lot Number	6
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	24 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 2, 2021	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2002 · Amount on Record
Deed Sale	Dec 11, 2002 · Amount on Record
Prior Sale	Dec 1, 2000 · Amount on Record
Deed Book / Page	5260 / 1
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	24 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054405
Date	Sep 9, 2021
Book Page	7381/118
Instrument	2021054405

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	24 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 SPENCER RD, BASKING RIDGE, NJ 07920-1820

Mortgage

Document Number	0000007136
Date	Feb 2, 2021
Book Page	7304/1449
Instrument	2021007136

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Oct 1, 2050

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		$702,000 (+0.67%) Land $390,800 Building $311,200	$702,000 (+0.67%) Land $390,800 Building $311,200
2025	$11,770.00 (+0.6%)	$697,300 (+19.34%) Land $381,300 Building $316,000	$697,300 (+19.34%) Land $381,300 Building $316,000
2024	$11,700.00 (+4.14%)
2023		$584,300 Land $343,300 Building $241,000	$584,300 Land $343,300 Building $241,000
2022	$11,235.00

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	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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