3 Prospect St, Bernardsville, NJ 07924 Property Records

Somerset County and Bernardsville Borough property record for 3 Prospect St, Bernardsville, NJ 07924

Property Summary

Property Type	Single Family Home
Details	1,190 sqft · built 1905
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$443,350 (Mar 2023)
Tax Bill	$8,807 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00109-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`03-00109-0000-00001`
Alternative APN	`030010900001`

Interior

Stories	2 Stories
Building Area	1,190 sqft Living Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3 PROSPECT ST
City	BERNARDSVILLE
State	NJ
Zip	07924-2435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	SA HALL
Legal Block	109
Legal Lot Number	1
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDSVILLE
Census Block Group	1
Census Block	1011
Census Tract	52701

Owner

3 Prospect St is owned and occupied by two individuals who bought it in March 2023.

Source: Somerset County and Bernardsville Borough records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 PROSPECT ST, BERNARDSVILLE, NJ 07924-2435
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2023 · Amount on File
Deed Sale	Mar 2, 2023 · Amount on File
Prior Sale	Aug 14, 1997 · Amount on File
Deed Document Number	20235341
Deed Book / Page	7495 / 790
Prior Transfer Date	Nov 26, 1991
Prior Transfer Doc	1839000415
Record Updated	Sep 20, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Mar 2, 2023
Property Address	3 PROSPECT ST, BERNARDSVILLE, NJ 07924-2435
Document Number	0000005341
Book / Page	7495 / 790
Instrument Date	Jan 19, 2023
Instrument	2023005341
Transaction Type	Transfer
Record Updated	Mar 15, 2023
Title Company	TWO RIVERS TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,632.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 CHERRY LN, BASKING RIDGE, NJ 07920-1109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PROSPECT ST, BERNARDSVILLE, NJ 07924-2435

Mortgage

Document Number	0000005342
Date	Mar 2, 2023
Instrument	2023005342

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3 Prospect St was $8,807, up 4.7% from the year before.

Source: Somerset County and Bernardsville Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
Municipality	Bernardsville Borough
Unified School District	Somerset Hills Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$493,900 (+6.44%) Land $156,500 Building $337,400	$493,900 (+6.44%) Land $156,500 Building $337,400
2025	$8,807.00 (+4.75%)	$464,000 Land $148,300 Building $315,700	$464,000 Land $148,300 Building $315,700
2024	$8,408.00
2023		$406,100 Land $127,100 Building $279,000	$406,100 Land $127,100 Building $279,000
2022	$6,780.00

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

Flood

FEMA maps place 3 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

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

Wildfire risk around 3 Prospect St is low, with 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 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 410 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

May also be available: T-Mobile.

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