55 Decker St, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 55 Decker St, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	1,697 sqft · built 1945
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Sep 1995)
Tax Bill	$13,448 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-01302-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`02-01302-0000-00026`
Alternative APN	`0200091000000015`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,697 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	0200091000000015
Street Address	55 DECKER ST
City	BASKING RIDGE
State	NJ
Zip	07920-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Subdivision	BERNARDS PLATEAU
Legal Block	1302
Legal Lot Number	26
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	55 DECKER ST, BASKING RIDGE, NJ 07920-2003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit AFFINITY FEDERAL CREDIT UNION
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit AFFINITY FCU
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 11, 2018	Deed of Trust, Mortgage · Line of Credit AFFINITY FCU
Nov 12, 2019	Deed of Trust, Mortgage · Conventional with PMI AFFINITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 1995 · Amount on Record
Deed Sale	Sep 18, 1995 · Amount on Record
Deed Book / Page	2026 / 256
Last Transfer Date	Nov 5, 2009
Transfer Doc	0000062073
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Recording Date	Apr 21, 2026
Property Address	55 DECKER ST, BASKING RIDGE, NJ 07920-2003
Document Number	0000011051
Book / Page	7677 / 594
Instrument Date	Apr 16, 2026
Instrument	202611051
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 DECKER ST, BASKING RIDGE, NJ 07920-2003

Mortgage

Document Number	0000011051,
Date	Apr 21, 2026
Book Page	7677/594
Instrument	202611051

Lender

Name	AFFINITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2056

Interest

Rate	4.99%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	55 DECKER ST, BASKING RIDGE, NJ 07920-2003
Transaction Type	Mortgage
Record Updated	Jul 11, 2022
Title Company	OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029192
Date	Jun 29, 2022
Book Page	7454/2048
Instrument	2022029192

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 13, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	55 DECKER ST, BASKING RIDGE, NJ 07920-2003
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030638
Date	May 14, 2021
Book Page	7342/1611
Instrument	2021030638

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	55 DECKER ST, BASKING RIDGE, NJ 07920-2003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038451
Date	Oct 11, 2018
Book Page	7076/2678
Instrument	2018038451

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	55 DECKER ST, BASKING RIDGE, NJ 07920-2003
Document Number	0000044920
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	MEMBERS ALLIANCE TITLE AGENCY LL, MEMBERS ALLIANCE TITLE AGCY LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 DECKER ST BASKING RIDGE NJ 079202003, BASKING RIDGE, NJ 07920-2003

Mortgage

Document Number	0000044920
Date	Nov 20, 2019
Book Page	007168/002995
Instrument	44920

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 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		$822,300 (+3.21%) Land $390,200 Building $432,100	$822,300 (+3.21%) Land $390,200 Building $432,100
2025	$13,448.00 (+5.76%)	$796,700 (+21.01%) Land $380,200 Building $416,500	$796,700 (+21.01%) Land $380,200 Building $416,500
2024	$12,716.00 (+0.69%)
2023		$658,400 Land $330,200 Building $328,200	$658,400 Land $330,200 Building $328,200
2022	$12,629.00

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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