45 Bernards Ave, Bernardsville, NJ 07924 Property Records

Somerset County and Bernardsville Borough property record for 45 Bernards Ave, Bernardsville, NJ 07924

Property Summary

Property Type	Single Family Home
Details	2,400 sqft · built 2016
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Aug 2022)
Tax Bill	$13,556 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00105-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`03-00105-0000-00011`
Alternative APN	`030010500011`

Interior

Stories	2 Stories
Building Area	2,400 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	45 BERNARDS AVE
City	BERNARDSVILLE
State	NJ
Zip	07924-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	BERNARDS TERRACE
Legal Block	105
Legal Lot Number	11
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDSVILLE
Census Block Group	1
Census Block	1003
Census Tract	52701

Owner

Source: Somerset County and Bernardsville Borough 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	45 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed, Transfer · Conventional Mortgage US BANK NA
Oct 12, 2017	Deed of Trust, Mortgage · Conventional with PMI NJ LENDERS
Feb 24, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	Feb 24, 2017 · Amount on Record
Deed Document Number	202236022
Deed Book / Page	7465 / 388
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Aug 19, 2022
Property Address	45 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2405
Document Number	0000036022
Book / Page	7465 / 388
Instrument Date	Aug 17, 2022
Instrument	2022036022
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11216 SADDLEBROOK DR, 11216, PINCKNEY, MI 48169-8754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2405

Mortgage

Document Number	0000036023
Date	Aug 19, 2022
Instrument	2022036023

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	45 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2405
Document Number	0000042370
Book / Page	006998 / 001944
Instrument Date	Oct 12, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017
Title Company	AMERICAN LAND TITLE ASSOCIATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERNARDS AVE BERNARDSVILLE NJ 079242405, BERNARDSVILLE, NJ 07924-2405

Mortgage

Document Number	0000042370
Date	Oct 19, 2017
Book Page	006998/001944
Instrument	42370

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	Feb 24, 2017
Property Address	45 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2405
Document Number	0000008340
Book / Page	006943 / 003365
Instrument Date	Dec 19, 2016
Instrument	8340
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$581.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERNARDS AVE BERNARDSVILLE NJ 079242405, BERNARDSVILLE, NJ 07924-2405

Tax Assessment & Valuation

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		$761,100 (+6.57%) Land $159,100 Building $602,000	$761,100 (+6.57%) Land $159,100 Building $602,000
2025	$13,556.00 (+4.57%)	$714,200 (+13.91%) Land $150,800 Building $563,400	$714,200 (+13.91%) Land $150,800 Building $563,400
2024	$12,963.00 (+0.15%)
2023		$627,000 Land $129,200 Building $497,800	$627,000 Land $129,200 Building $497,800
2022	$12,944.00

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
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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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