44 Decker St, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 44 Decker St, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	3,244 sqft · built 1998
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Nov 2016)
Tax Bill	$20,815 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-01301-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`02-01301-0000-00005`
Alternative APNs	`02000920000000080002` `020009200000000802`

Interior

Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,244 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	020009200000000802
Street Address	44 DECKER ST
City	BASKING RIDGE
State	NJ
Zip	07920-2004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Subdivision	TOWNSHIP/BERNARDS
Legal Block	1301
Legal Lot Number	5
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDS
Census Block Group	3
Census Block	3029
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 Record
Mailing Address	44 DECKER ST, BASKING RIDGE, NJ 07920-2004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Dec 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2016 · Amount on Record
Deed Sale	Nov 28, 2016 · Amount on Record
Prior Sale	Jun 3, 1997 · Amount on Record
Deed Document Number	201651397
Deed Book / Page	6922 / 1970
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	44 DECKER ST, BASKING RIDGE, NJ 07920-2004
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	TITLE AUTHORITY INC, TITLE AUTHORITY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 DECKER ST, BASKING RIDGE, NJ 07920-2004

Mortgage

Document Number	0000028384
Date	Oct 10, 2025
Book Page	7643/3722
Instrument	2025028384

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	44 DECKER ST, BASKING RIDGE, NJ 07920-2004
Transaction Type	Mortgage
Record Updated	Dec 18, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 DECKER ST, BASKING RIDGE, NJ 07920-2004

Mortgage

Document Number	0000031598
Date	Dec 6, 2023
Book Page	7536/1061
Instrument	2023031598

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2039

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		$1,338,300 (+8.53%) Land $394,200 Building $944,100	$1,338,300 (+8.53%) Land $394,200 Building $944,100
2025	$20,815.00 (+9.8%)	$1,233,100 (+25.84%) Land $384,200 Building $848,900	$1,233,100 (+25.84%) Land $384,200 Building $848,900
2024	$18,957.00 (+3.9%)
2023		$979,900 Land $334,200 Building $645,700	$979,900 Land $334,200 Building $645,700
2022	$18,245.00

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	12 (1996–2021)
Claims Outside the SFHA	6 of 12
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims Severe Storms And Flooding, Oct 1996 · 2 claims

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 266 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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