98 Bernard Dr, Basking Ridge, NJ 07920 Property Records

Somerset County and Bernards Township property record for 98 Bernard Dr, Basking Ridge, NJ 07920

Property Summary

Property Type	Single Family Home
Details	4,575 sqft · built 1995
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,025,000 (Sep 2020)
Tax Bill	$26,453 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-08102-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`02-08102-0000-00003`
Alternative APN	`0200162000000098`

Interior

Building Area	4,575 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	30,056 sqft (0.69 acres)

Location & Zoning

Old Parcel Number	0200162000000098
Street Address	98 BERNARD DR
City	BASKING RIDGE
State	NJ
Zip	07920-2692
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC4
Legal Description	ADDITIONAL LOTS: CUSTOM
Legal Subdivision	SHERBROOK/BERNARDS 02 PH 05
Legal Block	8102
Legal Lot Number	3
Jurisdiction	SOMERSET NJ
Township / Civil Division	BERNARDS
Census Block Group	3
Census Block	3009
Census Tract	54100

Owner

Source: Somerset County and Bernards Township records, as of July 7, 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 Record
Mailing Address	98 BERNARD DR, BASKING RIDGE, NJ 07920-2692
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORPORATION
Jun 18, 2018	Deed of Trust, Mortgage · ARM AFFINITY FCU
Sep 8, 2020	Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2020 · Amount on Record
Deed Sale	Sep 8, 2020 · Amount on Record
Prior Sale	Jun 1, 1995 · Amount on Record
Deed Document Number	202041022
Deed Book / Page	7245 / 3793
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Jul 16, 2026
Property Address	98 BERNARD DR, BASKING RIDGE, NJ 07920-2692
Document Number	0000020088
Book / Page	7692 / 1486
Instrument Date	Jul 16, 2026
Instrument	202620088
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	AMERICAN LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BERNARD DR, BASKING RIDGE, NJ 07920-2692

Mortgage

Document Number	0000020089,
Date	Jul 16, 2026
Instrument	202620089

Lender

Name	AMERICAN FEDERAL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET NJ
Property Address	98 BERNARD DR, BASKING RIDGE, NJ 07920-2692
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022145
Date	Jun 18, 2018
Book Page	7050/0407
Instrument	2018022145

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 2, 2021
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	8.75%

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Sep 8, 2020
Property Address	98 BERNARD DR, BASKING RIDGE, NJ 07920-2692
Document Number	0000041022
Book / Page	7245 / 3793
Instrument Date	Aug 27, 2020
Instrument	2020041022
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	ACRES LAND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2555 ST JAMES DR # DR102, 2555, SOUTHPORT, NC 28461-8067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BERNARD DR, BASKING RIDGE, NJ 07920-2692

Mortgage

Document Number	0000041023
Date	Sep 8, 2020
Instrument	2020041023

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

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		$1,656,500 (+5.7%) Land $483,800 Building $1,172,700	$1,656,500 (+5.7%) Land $483,800 Building $1,172,700
2025	$26,453.00 (+4.99%)	$1,567,100 (+23.96%) Land $483,800 Building $1,083,300	$1,567,100 (+23.96%) Land $483,800 Building $1,083,300
2024	$25,196.00 (+6.88%)
2023		$1,264,200 Land $407,300 Building $856,900	$1,264,200 Land $407,300 Building $856,900
2022	$23,574.00

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	1 in force
Nearby Flood Claims	2 (1999–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Optimum Cable	940 / 35

May also be available: T-Mobile.

Nearby Properties on Bernard Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures