46 Bernards Ave, Bernardsville, NJ 07924 Property Records

Somerset County and Bernardsville Borough property record for 46 Bernards Ave, Bernardsville, NJ 07924

Property Summary

Property Type	Single Family Home
Details	1,848 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Sep 2022)
Tax Bill	$12,531 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-00113-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`03-00113-0000-00003`
Alternative APN	`030011300003`

Interior

Stories	2 Stories
Building Area	1,848 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	46 BERNARDS AVE
City	BERNARDSVILLE
State	NJ
Zip	07924-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	PROUT & BOWERS PROP
Legal Block	113
Legal Lot Number	3
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDSVILLE
Census Block Group	1
Census Block	1007
Census Tract	52701

Owner

46 Bernards Ave is owned and occupied by an individual who bought it in September 2022.

Source: Somerset County and Bernardsville Borough records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	46 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2464
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 1, 2022	Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 5, 2018	Deed, Transfer · ARM JPMORGAN CHASE BANK NA
Jan 17, 2017	Grant Deed, Construction Loan · Conventional Mortgage FERRARA FLORA LIVING TRUST (RT
Jan 17, 2017	Trustee's Deed, Construction Loan · Construction Mortgage GRAND COAST CAPITAL FUND I LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2022 · Amount on File
Deed Sale	Sep 1, 2022 · Amount on File
Prior Sale	Mar 5, 2018 · Amount on File
Deed Document Number	202237600
Deed Book / Page	7467 / 1795
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Sep 1, 2022
Property Address	46 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2464
Document Number	0000037600
Book / Page	7467 / 1795
Instrument Date	Aug 26, 2022
Instrument	2022037600
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	NOT AVAILABLE, 1ST RATE TITLE & SETTLEMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 SENEY DR, 150, BERNARDSVILLE, NJ 07924-1818

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2464

Mortgage

Document Number	0000037601
Date	Sep 1, 2022
Instrument	2022037601

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Mar 5, 2018
Property Address	46 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2464
Document Number	0000008251
Book / Page	7028 / 0365
Map Reference	MAP135
Instrument Date	Feb 27, 2018
Instrument	2018008251
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	ACRES LAND TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,686.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	458 ELIZABETH AVE # 5209, 458, SOMERSET, NJ 08873-5110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1A WALTHAM ST RICHMOND VICTORIA 3121 AUSTRALIA, XX 00000

Mortgage

Document Number	0000008252
Date	Mar 5, 2018
Instrument	2018008252

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2028

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

January 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jan 17, 2017
Property Address	46 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2464
Document Number	0000002559
Book / Page	006935 / 003120
Instrument Date	Jan 12, 2017
Instrument	2559
Transaction Type	Construction Loan
Record Updated	Mar 15, 2017
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	649 US HIGHWAY 206 #9-109 HILLSBOROUGH NJ 088441518, 9-109, HILLSBOROUGH, NJ 08844-1518

Mortgage

Document Number	2561
Date	Jan 17, 2017
Book Page	006935/003141
Instrument	2561

Lender

Name	FERRARA FLORA LIVING TRUST (RT
Address	547 CARROLL FOX RD, BRICK, NJ 08724-4606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 16, 2018

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jan 17, 2017
Property Address	46 BERNARDS AVE, BERNARDSVILLE, NJ 07924-2464
Book / Page	00693 / 003125
Instrument Date	Jan 12, 2017
Instrument	2560
Transaction Type	Construction Loan
Record Updated	Aug 16, 2018
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 STRAWBERRY LN HILLSBOROUGH NJ 088445411, HILLSBOROUGH, NJ 08844-5411

Mortgage

Document Number	0000002560
Date	Jan 17, 2017
Book Page	006935/003125
Instrument	2560

Lender

Name	GRAND COAST CAPITAL FUND I LLC
Address	HINGHAM, MA 02043

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 46 Bernards Ave was $12,531, up 4.6% from the year before.

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		$703,300 (+6.53%) Land $159,100 Building $544,200	$703,300 (+6.53%) Land $159,100 Building $544,200
2025	$12,531.00 (+4.6%)	$660,200 Land $150,800 Building $509,400	$660,200 Land $150,800 Building $509,400
2024	$11,980.00
2023		$579,200 Land $129,200 Building $450,000	$579,200 Land $129,200 Building $450,000
2022	$11,519.00

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

Flood

FEMA maps place 46 Bernards Ave 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
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

Wildfire risk around 46 Bernards Ave is low, with 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 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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