29 Spruce St, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 29 Spruce St, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	3,821 sqft · built 2023
Lot Size	3.46 acres (151,110 sqft)
Owner	2 Individual Names on File
Last Sale	$1,590,000 (May 2023)
Tax Bill	$28,612 (2025)
Deeds & Mortgages	May 2026 Line of Credit May 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-02001-0000-00004-02`

Property Details

APN / Parcel Number

Primary APN	`02-02001-0000-00004-02`

Interior

Building Area	3,821 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	151,110 sqft

Location & Zoning

Street Address	29 SPRUCE ST
City	BASKING RIDGE
State	NJ
Zip	07920-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	2001
Legal Lot Number	4.2
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDS
Census Block Group	2
Census Block	2007
Census Tract	52400

Owner

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	29 SPRUCE ST, BASKING RIDGE, NJ 07920-1822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Line of Credit U S BANK N A
May 31, 2023	Deed, Transfer · Conventional Mortgage US BANK NA
Aug 17, 2021	Deed, Transfer · Commercial Mortgage UNITY BANK
Jul 26, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on File
Deed Sale	May 31, 2023 · Amount on File
Prior Sale	Aug 17, 2021 · Amount on File
Deed Document Number	202313391
Deed Book / Page	7507 / 2041
Prior Transfer Date	Jun 11, 2021
Prior Transfer Doc	0000045155
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Recording Date	May 5, 2026
Property Address	29 SPRUCE ST, BASKING RIDGE, NJ 07920-1822
Document Number	0000012485
Book / Page	7679 / 2046
Instrument Date	Apr 27, 2026
Instrument	202612485
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 SPRUCE ST, BASKING RIDGE, NJ 07920-1822

Mortgage

Document Number	0000012485,
Date	May 5, 2026
Book Page	7679/2046
Instrument	202612485

Lender

Name	U S BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 5, 2056

Interest

Rate	6.38%
Max Rate	-1%

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	May 31, 2023
Property Address	29 SPRUCE ST, BASKING RIDGE, NJ 07920-1822
Document Number	0000013391
Book / Page	7507 / 2041
Instrument Date	Apr 18, 2023
Instrument	2023013391
Transaction Type	Transfer
Record Updated	Apr 23, 2024
Title Company	SIMPLICITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,714.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 LENAPE CT, BASKING RIDGE, NJ 07920-2677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 SPRUCE ST, BASKING RIDGE, NJ 07920-1822
Investor	Possibly a Property Investor

Mortgage

Document Number	0000013392
Date	May 31, 2023
Book Page	7507/2048
Instrument	2023013392

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10%
Index	1-Year T-Bill
Max Rate	10%

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Aug 17, 2021
Property Address	29 SPRUCE ST, BASKING RIDGE, NJ 07920-1822
Document Number	0000049978
Book / Page	7373 / 2228
Instrument Date	Aug 10, 2021
Instrument	2021049978
Transaction Type	Transfer
Record Updated	Apr 23, 2024
Title Company	GREEN HILL TITLE, GREEN HILL TITLE LLC

Transaction

Amount	Amount on Record
Tax	$3,791.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 SPRUCE ST, BASKING RIDGE, NJ 07920-1822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 LENAPE CT, BASKING RIDGE, NJ 07920-2677

Mortgage

Document Number	0000049979
Date	Aug 17, 2021
Instrument	2021049979

Lender

Name	UNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SOMERSET NJ
Recording Date	Jul 26, 2021
Property Address	29 SPRUCE ST, BASKING RIDGE, NJ 07920-1822
Document Number	0000045155
Book / Page	7366 / 92
Instrument Date	Jun 11, 2021
Instrument	2021045155
Transaction Type	Transfer
Record Updated	Apr 23, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	35 SPRUCE ST, BASKING RIDGE, NJ 07920-1822
Investor	Possibly a Property Investor

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		$1,766,100 (+4.19%) Land $504,100 Building $1,262,000	$1,766,100 (+4.19%) Land $504,100 Building $1,262,000
2025	$28,612.00 (+4.89%)	$1,695,000 (+144.2%) Land $484,100 Building $1,210,900	$1,695,000 (+144.2%) Land $484,100 Building $1,210,900
2024	$27,277.00 (+212.49%)
2023		$694,100 Land $444,100 Building $250,000	$694,100 Land $444,100 Building $250,000
2022	$8,729.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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 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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