45 Arbor Cir, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 45 Arbor Cir, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	1,626 sqft · built 1993
Lot Size	0.033 acres (1,432 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Jan 2025)
Tax Bill	$8,366 (2025)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-09001-0000-00074`

Property Details

APN / Parcel Number

Primary APN	`02-09001-0000-00074`
Alternative APNs	`0200178000300074` `02001780300074`

Interior

Building Area	1,626 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	1,432 sqft (0.033 acres)

Location & Zoning

Old Parcel Number	02001780300074
Street Address	45 ARBOR CIR
City	BASKING RIDGE
State	NJ
Zip	07920-3167
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	ADDITIONAL LOTS: DUPLEX C
Legal Subdivision	CEDARS
Legal Block	9001
Legal Lot Number	74
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDS
Census Block Group	2
Census Block	2005
Census Tract	54100

Owner

45 Arbor Cir is owned and occupied by two individuals who bought it in January 2025.

Source: Somerset County and Bernards Township records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 ARBOR CIR, BASKING RIDGE, NJ 07920-3167
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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	Jan 21, 2025 · Amount on File
Deed Sale	Jan 21, 2025 · Amount on File
Prior Sale	Sep 30, 1993 · Amount on File
Deed Document Number	20251694
Deed Book / Page	7598 / 3575
Prior Transfer Date	Oct 24, 2016
Prior Transfer Doc	0000046592
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	45 ARBOR CIR, BASKING RIDGE, NJ 07920-3167
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ARBOR CIR, BASKING RIDGE, NJ 07920-3167

Mortgage

Document Number	0000036635
Date	Dec 26, 2025
Book Page	7657/2841
Instrument	2025036635

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	145 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 45 Arbor Cir was $8,366, up 3.3% from the year before.

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		$521,500 (+5.23%) Land $175,000 Building $346,500	$521,500 (+5.23%) Land $175,000 Building $346,500
2025	$8,366.00 (+3.26%)	$495,600 Land $175,000 Building $320,600	$495,600 Land $175,000 Building $320,600
2024	$8,102.00
2023		$438,700 Land $175,000 Building $263,700	$438,700 Land $175,000 Building $263,700
2022	$7,968.00

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

Flood

FEMA maps place 45 Arbor Cir in Zone X, an area of minimal flood risk.

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	3 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 45 Arbor Cir is low, with less than 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 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35