Bergen County and Emerson Borough property record for 103 Forest Ave, Emerson, NJ 07630
| Property Type | Single Family Home |
|---|---|
| Details | 1,934 sqft · built 1965 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,900 (Jun 2020) |
| Tax Bill | $13,478 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-01014-0000-00003 |
| Primary APN | 14-01014-0000-00003 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,934 sqft Living Area |
| 1st Floor Area | 1,934 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Construction Type | Frame |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 125 ft deep x 115 ft wide |
| Parking Spaces | 1 Parking Space |
| Account Number | 024037 |
|---|---|
| Street Address | 103 FOREST AVE |
| City | EMERSON |
| State | NJ |
| Zip | 07630-1450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | 115X125 5LT |
| Legal Subdivision | SOLDIER HILL PARK |
| Legal Block | 1014 |
| Legal Lot Number | 3 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | EMERSON |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 14000 |
103 Forest Ave is owned and occupied by an individual who bought it in June 2020.
Source: Bergen County and Emerson Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 FOREST AVE, EMERSON, NJ 07630-1450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 5, 2020 | Bargain and Sale Deed, Transfer · Conventional Mortgage RESIDENTIAL HOME FUNDING CORP |
| May 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL HM FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2020 · Amount on File |
| Deed Sale | Jun 5, 2020 · Amount on File |
| Deed Document Number | 202055326 |
| Deed Book / Page | 3615 / 1643 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 5, 2020 |
| Property Address | 103 FOREST AVE, EMERSON, NJ 07630-1450 |
| Document Number | 0036151643 |
| Book / Page | 3615 / 1643 |
| Instrument Date | May 12, 2020 |
| Instrument | 20-055326 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | FIRST JERSEY TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,305.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 750 ACROPOLIS WAY APT 108, 750, FREDERICK, MD 21703-2277 |
| Name | Verified Name |
|---|---|
| Address | 103 FOREST AVE, EMERSON, NJ 07630-1450 |
| Document Number | 20055327 |
|---|---|
| Date | Jun 5, 2020 |
| Instrument | 20-055327 |
| Name | RESIDENTIAL HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 103 FOREST AVE, EMERSON, NJ 07630-1450 |
| Document Number | 0036151648 |
| Instrument Date | May 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 103 FOREST AVE EMERSON NJ 076301450, EMERSON, NJ 07630-1450 |
| Document Number | 0036151648 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | 003615/001648 |
| Instrument | 20055327 |
| Name | RESIDENTIAL HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 4, 2050 |
The 2025 property tax bill for 103 Forest Ave was $13,478, up 3.5% from the year before.
Source: Bergen County and Emerson Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Emerson Borough |
| Unified School District | Emerson Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $394,100 (-) Land $222,600 Building $171,500 | $394,100 (-) Land $222,600 Building $171,500 | |
| 2025 | $13,478.00 (+3.54%) | $394,100 Land $222,600 Building $171,500 | $394,100 Land $222,600 Building $171,500 |
| 2024 | $13,017.00 | ||
| 2023 | $394,100 Land $222,600 Building $171,500 | $394,100 Land $222,600 Building $171,500 | |
| 2022 | $11,933.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Forest Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · 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 | 2 in force |
| Nearby Flood Claims | 4 (1978–1999) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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 103 Forest Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001 |
|---|---|
| Water Source | Surface water |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Jan 2021 |
| 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 223 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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