Somerset County and Warren Township property record for 7 Spencer Ln, Warren, NJ 07059
| Property Type | Single Family Home |
|---|---|
| Details | 5,279 sqft · built 2021 |
| Lot Size | 1.53 acres (67,082 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $570,000 (Oct 2020) |
| Tax Bill | $34,304 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-00041-0000-00013-02 |
| Primary APN | 20-00041-0000-00013-02 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 5,279 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Frame |
| Lot Area | 67,082 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 00011660 |
|---|---|
| Street Address | 7 SPENCER LN |
| City | WARREN |
| State | NJ |
| Zip | 07059-5509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R65 |
| Legal Subdivision | ROUND TOP HILLS |
| Legal Block | 41 |
| Legal Lot Number | 13.2 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | WARREN |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 52204 |
7 Spencer Ln is owned and occupied by two individuals who bought it in October 2020.
Source: Somerset County and Warren Township records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7 SPENCER LN, WARREN, NJ 07059-5509 |
| 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.
| Date | Document |
|---|---|
| Oct 27, 2021 | Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA |
| Oct 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA |
| Oct 13, 2020 | Grant Deed, Transfer OLD REPUBLIC |
| Aug 2, 2018 | Deed, Transfer · FHA Mortgage BOND STREET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on File |
| Deed Sale | Oct 13, 2020 · Amount on File |
| Prior Sale | Aug 2, 2018 · Amount on File |
| Deed Document Number | 202049151 |
| Deed Book / Page | 7259 / 2923 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 7 SPENCER LN, WARREN, NJ 07059-5509 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7 SPENCER LN, WARREN, NJ 07059-5509 |
| Document Number | 0000063711 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 7396/498 |
| Instrument | 2021063711 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | READING, PA 19602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 7 SPENCER LN, WARREN, NJ 07059-5509 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000058760 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 7388/815 |
| Instrument | 2021058760 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Oct 13, 2020 |
| Property Address | 7 SPENCER LN, WARREN, NJ 07059-5509 |
| Document Number | 0000049151 |
| Book / Page | 007259 / 002923 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 49151 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2020 |
| Title Company | OLD REPUBLIC |
| Amount | Amount on Record |
|---|---|
| Tax | $570.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 ARRIGHI DR WARREN NJ 070595801, WARREN, NJ 07059-5801 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Aug 2, 2018 |
| Property Address | 7 SPENCER LN, WARREN, NJ 07059-5509 |
| Document Number | 0000029006 |
| Book / Page | 7061 / 0708 |
| Instrument Date | Jul 24, 2018 |
| Instrument | 2018029006 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,458.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 SPENCER LN, 7, WARREN, NJ 07059-5509 |
| Name | Verified Name |
|---|---|
| Address | 26 CARNEGIE ST, MONROE TOWNSHIP, NJ 08831-5400 |
| Document Number | 0000029007 |
|---|---|
| Date | Aug 2, 2018 |
| Instrument | 2018029007 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 7 Spencer Ln was $34,304, up 3.1% from the year before.
Source: Somerset County and Warren Township assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| County Subdivision | Warren Township |
| Elementary School District | Warren Township School District (KG - 08) |
| Secondary School District | Watchung Hills Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,090,700 (+6.78%) Land $546,400 Building $1,544,300 | $2,090,700 (+6.78%) Land $546,400 Building $1,544,300 | |
| 2025 | $34,304.00 (+3.09%) | $1,958,000 Land $509,600 Building $1,448,400 | $1,958,000 Land $509,600 Building $1,448,400 |
| 2024 | $33,275.00 | ||
| 2023 | $1,685,200 Land $420,100 Building $1,265,100 | $1,685,200 Land $420,100 Building $1,265,100 | |
| 2022 | $31,126.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Spencer Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2011.
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 8 (10% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 6 (2011–2024) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Aug 2024 · rainfall accumulation |
| Claims by Event |
|
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 risk around 7 Spencer Ln is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people · EPA ID NJ2004002 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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