Somerset County and Bernardsville Borough property record for 72 Mount Harmony Rd, Bernardsville, NJ 07924
| Property Type | Single Family Home |
|---|---|
| Details | 1,512 sqft · built 1947 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Apr 2025) |
| Tax Bill | $14,391 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00028-0000-00024 |
| Primary APN | 03-00028-0000-00024 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,512 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 20,038 sqft (0.46 acres) |
| Street Address | 72 MOUNT HARMONY RD |
|---|---|
| City | BERNARDSVILLE |
| State | NJ |
| Zip | 07924-2019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | BOROUGH/BERNARDSVILLE |
| Legal Block | 28 |
| Legal Lot Number | 24 |
| Jurisdiction | SOMERSET NJ |
| Township / Civil Division | BERNARDSVILLE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 52701 |
72 Mount Harmony Rd is owned and occupied by two individuals who bought it in April 2025.
Source: Somerset County and Bernardsville Borough records, as of October 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 72 MOUNT HARMONY RD, BERNARDSVILLE, NJ 07924-2019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Apr 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Nov 18, 2019 | Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2025 · Amount on File |
| Deed Sale | Apr 16, 2025 · Amount on File |
| Prior Sale | Nov 18, 2019 · Amount on File |
| Deed Document Number | 20259439 |
| Deed Book / Page | 7611 / 2591 |
| Prior Transfer Date | Apr 15, 2016 |
| Prior Transfer Doc | 0000016009 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 72 MOUNT HARMONY RD, BERNARDSVILLE, NJ 07924-2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 72 MOUNT HARMONY RD, BERNARDSVILLE, NJ 07924-2019 |
| Document Number | 0000033604 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | 7652/2459 |
| Instrument | 2025033604 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Property Address | 72 MOUNT HARMONY RD, BERNARDSVILLE, NJ 07924-2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022351 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 7329/202 |
| Instrument | 2021022351 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET NJ |
| Recording Date | Nov 18, 2019 |
| Property Address | 72 MOUNT HARMONY RD, BERNARDSVILLE, NJ 07924-2019 |
| Document Number | 0000044348 |
| Book / Page | 7167 / 3335 |
| Instrument Date | Nov 18, 2019 |
| Instrument | 2019044348 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Title Company | METRO TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,768.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 146 MINE BROOK RD, 146, FAR HILLS, NJ 07931-2539 |
| Name | Verified Name |
|---|---|
| Address | 72 MOUNT HARMONY RD, BERNARDSVILLE, NJ 07924-2019 |
| Document Number | 0000044349 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 2019044349 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 72 Mount Harmony Rd was $14,391, up 4.8% from the year before.
Source: Somerset County and Bernardsville Borough assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Somerset County |
| Municipality | Bernardsville Borough |
| Unified School District | Somerset Hills Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $810,500 (+6.9%) Land $297,100 Building $513,400 | $810,500 (+6.9%) Land $297,100 Building $513,400 | |
| 2025 | $14,391.00 (+4.82%) | $758,200 Land $277,700 Building $480,500 | $758,200 Land $277,700 Building $480,500 |
| 2024 | $13,729.00 | ||
| 2023 | $653,700 Land $229,200 Building $424,500 | $653,700 Land $229,200 Building $424,500 | |
| 2022 | $12,989.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 72 Mount Harmony Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2012.
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 | 9 in force |
| Nearby Flood Claims | 10 (2012–2021) |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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 72 Mount Harmony Rd 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 - TWIN LAKES private · serves 250 people · EPA ID NJ1803002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2023–2025) 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 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
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