Essex County and Fairfield Township property record for 10 Ralph Dr, Fairfield, NJ 07004
| Property Type | Single Family Home |
|---|---|
| Details | 3,823 sqft · built 2002 |
| Lot Size | 0.398 acres (17,354 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $740,000 (Nov 2009) |
| Tax Bill | $17,745 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05101-0000-00018-01 |
| Primary APN | 07-05101-0000-00018-01 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,823 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Construction Type | Wood |
| Lot Area | 17,354 sqft (0.398 acres) |
| Account Number | 3563 |
|---|---|
| Street Address | 10 RALPH DR |
| City | FAIRFIELD |
| State | NJ |
| Zip | 07004-1235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 17354SF |
| Legal Subdivision | FAIRFIELD ACRES |
| Legal Block | 5101 |
| Legal Lot Number | 18.1 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | FAIRFIELD |
| Census Block Group | 6 |
| Census Block | 6014 |
| Census Tract | 21601 |
Source: Essex County and Fairfield Township records · APN 07-05101-0000-00018-01
Assessment roll updated July 2, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITY BANK |
| Jun 09, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITY BANK |
| Mar 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WHOLESALE MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 30, 2009 · Amount on Record |
| Deed Sale | Nov 30, 2009 · Amount on Record |
| Prior Sale | Jul 24, 2002 · Amount on Record |
| Deed Document Number | 20099100322 |
| Deed Book / Page | 12228 / 6266 |
| Prior Transfer Date | Dec 09, 1996 |
| Prior Transfer Doc | 5452000302 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 10 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000054703 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 2021054703 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 10 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | SERVICE TITLE, SERVICELINK TITLE |
| Name | Verified Name |
|---|---|
| Address | 10 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000035990 |
|---|---|
| Date | Jun 09, 2025 |
| Instrument | 2025035990 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 06, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 10 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Transaction Type | Mortgage |
| Record Updated | Jun 07, 2021 |
| Title Company | SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 2021054703 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 2021054703 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 10 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000027407 |
| Instrument Date | Mar 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Title Company | HUNTER TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 RALPH DR FAIRFIELD NJ 070041235, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000027407 |
|---|---|
| Date | Mar 27, 2017 |
| Instrument | 27407 |
| Name | WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 26, 2037 |
Source: Essex County and Fairfield Township records · Assessment roll updated July 2, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Fairfield Township |
| Elementary School District | Fairfield Township School District (KG - 06) |
| Secondary School District | West Essex Regional School District (07 - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $852,700 (-) Land $325,400 Building $527,300 | $852,700 (-) Land $325,400 Building $527,300 | |
| 2025 | $17,745.00 (-2.57%) | $852,700 (-) Land $325,400 Building $527,300 | $852,700 (-) Land $325,400 Building $527,300 |
| 2024 | $18,213.00 (+6.64%) | ||
| 2023 | $852,700 Land $325,400 Building $527,300 | $852,700 Land $325,400 Building $527,300 | |
| 2022 | $17,079.00 |
Source: FEMA National Flood Hazard Layer, Essex County (34013C), as of September 24, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340130216016, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 241 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 241 in force |
| Nearby Flood Claims | 566 (1978–2023) |
| Claims Outside the SFHA | 7 of 566 |
| Most Recent Claim | Dec 2023 · other causes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Optimum Communications.
Based on FCC filings for 248 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NJ0707001, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FAIRFIELD WATER DEPT serves 7,400 people |
|---|---|
| Water Source | Purchased surface water from PASSAIC VALLEY WATER COMMISSION |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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