Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$1,307,646$397 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $833,209 on Jul 14, 2014

174 SPENCER RD

BASKING RIDGE, NJ 07920
0
Baths
3,291 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.95 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$1.3M low$1.4M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$833,209 · Jul 14, 2014
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$968,646
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$774,917
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.26%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$339,000
MLD MORTGAGE · recorded Sep 16, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$17,881 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,142,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$443,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$698,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,059,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,142,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
43
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountySOMERSET
Lot (acres)The size of the land the home sits on, from county records.0.95
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Ridge High SchoolB+
High · Grades 9–12 · 0.5 mi
E
Oak Street Elementary SchoolA
Elementary · Grades KG–5 · 0.6 mi
M
William Annin Middle SchoolA
Middle · Grades 6–8 · 1.1 mi

District: Bernards Township School District

Neighborhood · ZIP 07920These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.20
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.102

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.28,676
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,109 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$170,540
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$228,687
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

174 Spencer Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 90% of homes in Somerset County
  • Costs more per square foot than 74% of homes in Somerset County
  • Bigger than 87% of homes in Somerset County
  • Has a bigger lot than 78% of homes in Basking Ridge 07920
  • Older than 90% of homes in Basking Ridge 07920

What homes are worth in Basking Ridge 07920

Each bar is how many homes fall in that price range. The marker is this home.

This home
$250K$2.4M

This home is worth more than 72% of homes in Basking Ridge 07920.

How it measures up in Basking Ridge 07920

The dot is this home. The mark in the middle is the typical home in Basking Ridge 07920.

Estimated value$1,307,646
CheaperTypical $949,503Pricier

Pricier than 72% of homes nearby

Price per ft²$397
CheaperTypical $424Pricier

Pricier than 34% of homes nearby

Living area3,291 ft²
SmallerTypical 2,136 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.95 ac
SmallerTypical 0.33 acBigger

Bigger than 78% of homes nearby

Year built1950
OlderTypical 1986Newer

Newer than 10% of homes nearby

How 174 Spencer Rd ranks against every home in each area.
MeasureThis homeBasking Ridge 07920Somerset County
Estimated valuepricier than$1,307,64672% of homes90% of homes
Price per ft²pricier than$39734% of homes74% of homes
Living areabigger than3,291 ft²81% of homes87% of homes
Lot sizebigger than0.95 ac78% of homes78% of homes
Year builtnewer than195010% of homes17% of homes

About 174 Spencer Rd

How much is 174 Spencer Rd, Basking Ridge, NJ worth?

The TopHap Estimate for 174 Spencer Rd, Basking Ridge, NJ is $1,307,646 as of Jul 14, 2026. The likely range is $1,260,802 to $1,354,490. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 174 Spencer Rd, Basking Ridge, NJ last sell?

174 Spencer Rd, Basking Ridge, NJ last sold on Jul 14, 2014 for $833,209, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 174 Spencer Rd, Basking Ridge, NJ?

174 Spencer Rd, Basking Ridge, NJ has 3,291 square feet of living space and a 0.95-acre lot.

When was 174 Spencer Rd, Basking Ridge, NJ built?

174 Spencer Rd, Basking Ridge, NJ was built in 1950, making it 76 years old. It is a cape cod home. The building has 1 story.

What schools serve 174 Spencer Rd, Basking Ridge, NJ?

174 Spencer Rd, Basking Ridge, NJ is assigned to Ridge High School (high), rated B+; Oak Street Elementary School (elementary), rated A; William Annin Middle School (middle), rated A. All sit in Bernards Township School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 174 Spencer Rd, Basking Ridge, NJ compare to other homes in Basking Ridge 07920?

Among the 9,639 homes in Basking Ridge 07920, it is worth more than 72% of them ($1,307,646 against a typical $949,503), its price per square foot is higher than 34% of them ($397 against a typical $424), it is bigger than 81% of them (3,291 ft² against a typical 2,136 ft²), its lot is bigger than 78% of them (0.95 ac against a typical 0.33 ac) and it is newer than 10% of them (1950 against a typical 1986). Measured against all of Somerset County, it is worth more than 90% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 174 Spencer Rd, Basking Ridge, NJ?

The 2025 property tax bill for 174 Spencer Rd, Basking Ridge, NJ was $17,881. The county assessed it at $1,142,500.

Closest homes

More homes in Basking Ridge 07920

Assigned schools

Explore the area

See this home in context

Open 174 Spencer Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map