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Single Family ResidenceResidential
$875,806$568 / 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 94How 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 $265,000 on Jul 12, 1994

92 SPENCER RD

BASKING RIDGE, NJ 07920
0
Baths
1,542 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.
0.86 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.
5
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

$876K
$826K low$925K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$265,000 · Jul 12, 1994
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.$201,659
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$161,327
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.71%
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.$333,500
UNITED MORTGAGE CORP · recorded Nov 17, 2020
2nd 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.$265,647
WELLS FARGO BANK NA
3rd 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.$75,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,548 (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.$724,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$397,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$327,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$684,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$724,700

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.
19
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.Ranch
CountySOMERSET
Lot (acres)The size of the land the home sits on, from county records.0.86
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(1)

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.

E
Oak Street Elementary SchoolA
Elementary · Grades KG–5 · 0.4 mi
H
Ridge High SchoolB+
High · Grades 9–12 · 0.5 mi
M
William Annin Middle SchoolA
Middle · Grades 6–8 · 1.4 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

92 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 71% of homes in Somerset County
  • Among the highest price per square foot in Somerset County
  • Smaller than 72% of homes in Basking Ridge 07920
  • Has a bigger lot than 74% of homes in Somerset County
  • Older than 89% 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
$257K$2.4M

This home is worth more than 43% 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$875,806
CheaperTypical $951,846Pricier

Pricier than 43% of homes nearby

Price per ft²$568
CheaperTypical $424Pricier

Pricier than 96% of homes nearby

Living area1,542 ft²
SmallerTypical 2,144 ft²Bigger

Bigger than 28% of homes nearby

Lot size0.86 ac
SmallerTypical 0.32 acBigger

Bigger than 71% of homes nearby

Year built1950
OlderTypical 1986Newer

Newer than 11% of homes nearby

How 92 Spencer Rd ranks against every home in each area.
MeasureThis homeBasking Ridge 07920Somerset County
Estimated valuepricier than$875,80643% of homes71% of homes
Price per ft²pricier than$56896% of homesalmost all homes
Living areabigger than1,542 ft²28% of homes33% of homes
Lot sizebigger than0.86 ac71% of homes74% of homes
Year builtnewer than195011% of homes17% of homes

About 92 Spencer Rd

How much is 92 Spencer Rd, Basking Ridge, NJ worth?

The TopHap Estimate for 92 Spencer Rd, Basking Ridge, NJ is $875,806 as of Jul 14, 2026. The likely range is $826,256 to $925,356. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 92 Spencer Rd, Basking Ridge, NJ last sell?

92 Spencer Rd, Basking Ridge, NJ last sold on Jul 12, 1994 for $265,000, according to the county's recorded deed.

How big is 92 Spencer Rd, Basking Ridge, NJ?

92 Spencer Rd, Basking Ridge, NJ has 1,542 square feet of living space and a 0.86-acre lot.

When was 92 Spencer Rd, Basking Ridge, NJ built?

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

What schools serve 92 Spencer Rd, Basking Ridge, NJ?

92 Spencer Rd, Basking Ridge, NJ is assigned to Oak Street Elementary School (elementary), rated A; Ridge High School (high), rated B+; 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 92 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 43% of them ($875,806 against a typical $951,846), its price per square foot is higher than 96% of them ($568 against a typical $424), it is bigger than 28% of them (1,542 ft² against a typical 2,144 ft²), its lot is bigger than 71% of them (0.86 ac against a typical 0.32 ac) and it is newer than 11% of them (1950 against a typical 1986). Measured against all of Somerset County, it is worth more than 71% 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 92 Spencer Rd, Basking Ridge, NJ?

The 2025 property tax bill for 92 Spencer Rd, Basking Ridge, NJ was $11,548. The county assessed it at $724,700.

Closest homes

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Assigned schools

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