34 Spencer Rd, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 34 Spencer Rd, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	3,561 sqft · built 2017
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,171,000 (Mar 2017)
Tax Bill	$23,625 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-01806-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`02-01806-0000-00009`
Alternative APN	`0200098000000009`

Interior

Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,561 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Construction Type	Frame
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	0200098000000009
Street Address	34 SPENCER RD
City	BASKING RIDGE
State	NJ
Zip	07920-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Subdivision	LANDS LOCATED/BASKING RDG
Legal Block	1806
Legal Lot Number	9
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	34 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Mar 30, 2017	Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on Record
Deed Sale	Mar 30, 2017 · Amount on Record
Prior Sale	Jan 11, 2016 · Amount on Record
Deed Document Number	201712738
Deed Book / Page	6949 / 3567
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	34 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056627
Date	Sep 21, 2021
Book Page	7384/2657
Instrument	2021056627

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	34 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013500
Date	Mar 30, 2020
Book Page	7200/1740
Instrument	2020013500

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Mar 30, 2017
Property Address	34 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Document Number	0000012738
Book / Page	6949 / 3567
Instrument Date	Mar 24, 2017
Instrument	2017012738
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,644.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 RIDGE RD, 5, FLEMINGTON, NJ 08822-6012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012739
Date	Mar 30, 2017
Instrument	2017012739

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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		$1,504,900 (+7.52%) Land $390,800 Building $1,114,100	$1,504,900 (+7.52%) Land $390,800 Building $1,114,100
2025	$23,625.00 (-0.13%)	$1,399,600 (+14.3%) Land $381,300 Building $1,018,300	$1,399,600 (+14.3%) Land $381,300 Building $1,018,300
2024	$23,655.00 (+0.54%)
2023		$1,224,500 Land $343,300 Building $881,200	$1,224,500 Land $343,300 Building $881,200
2022	$23,528.00

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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