42 Spencer Rd, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 42 Spencer Rd, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	2,518 sqft · built 1950
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Feb 2013)
Tax Bill	$13,882 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-01806-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`02-01806-0000-00011`
Alternative APN	`0200098000000011`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,518 sqft Living Area
1st Floor Area	2,518 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	0200098000000011
Street Address	42 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	GARDEN HOMES RIDGEVIEW SEC 1
Legal Block	1806
Legal Lot Number	11
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 August 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	42 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Jun 30, 2018	Loan Modification, Mortgage · Line of Credit BANK OF AMERICA
Aug 19, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2013 · Amount on Record
Deed Sale	Feb 25, 2013 · Amount on Record
Prior Sale	Aug 16, 2004 · Amount on Record
Deed Document Number	201310935
Deed Book / Page	6607 / 1793
Prior Transfer Date	Dec 20, 2010
Prior Transfer Doc	0000001057
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	42 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Document Number	0000048298
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Nov 11, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 SPENCER RD BASKING RIDGE NJ 079201820, BASKING RIDGE, NJ 07920-1820

Mortgage

Document Number	0000048298
Date	Oct 1, 2020
Book Page	007258/000975
Instrument	48298

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SOMERSET NJ
Property Address	42 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Document Number	0000029467
Instrument Date	Jun 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 SPENCER RD BASKING RIDGE NJ 079201820, BASKING RIDGE, NJ 07920-1820

Mortgage

Document Number	0000029467
Date	Aug 6, 2018
Book Page	007061/003536
Instrument	29467

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2048

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	42 SPENCER RD, BASKING RIDGE, NJ 07920-1820
Document Number	0000034555
Instrument Date	Aug 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 SPENCER RD BASKING RIDGE NJ 079201820, BASKING RIDGE, NJ 07920-1820

Mortgage

Document Number	0000034555
Date	Aug 28, 2017
Book Page	006985/001473
Instrument	34555

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2047

Interest

Rate Type	Adjustable Rate

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		$869,500 (+5.73%) Land $390,800 Building $478,700	$869,500 (+5.73%) Land $390,800 Building $478,700
2025	$13,882.00 (+3.57%)	$822,400 (+21.53%) Land $381,300 Building $441,100	$822,400 (+21.53%) Land $381,300 Building $441,100
2024	$13,404.00 (+3.07%)
2023		$676,700 Land $343,300 Building $333,400	$676,700 Land $343,300 Building $333,400
2022	$13,005.00

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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