103 South St, Demarest, NJ 07627 Property Records

Bergen County and Demarest Borough property record for 103 South St, Demarest, NJ 07627

Property Summary

Property Type	Single Family Home
Details	2,170 sqft · built 1967
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jul 2015)
Tax Bill	$18,915 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`09-00051-0000-00003-03`

Property Details

APN / Parcel Number

Primary APN	`09-00051-0000-00003-03`
Alternative APN	`09000510000000030003`

Interior

Building Area	2,170 sqft Living Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	100 ft deep x 125 ft wide

Location & Zoning

Street Address	103 SOUTH ST
City	DEMAREST
State	NJ
Zip	07627-2411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.287AC
Legal Subdivision	BOROUGH/DEMAREST
Legal Block	51
Legal Lot Number	3.03
Jurisdiction	BERGEN NJ
Township / Civil Division	DEMAREST
Census Block Group	1
Census Block	1017
Census Tract	9100

Owner

103 South St is owned and occupied by two individuals who bought it in July 2015.

Source: Bergen County and Demarest Borough records, as of October 13, 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 File
Mailing Address	103 SOUTH ST, DEMAREST, NJ 07627-2411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2015 · Amount on File
Deed Sale	Jul 21, 2015 · Amount on File
Prior Sale	Jan 28, 2004 · Amount on File
Deed Document Number	201553484
Deed Book / Page	1997 / 859
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	103 SOUTH ST, DEMAREST, NJ 07627-2411
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039600609
Date	Feb 16, 2021
Book Page	3960/609
Instrument	2021020322

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Bergen County and Demarest Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Demarest Borough
Elementary School District	Demarest Borough School District (KG - 08)
Secondary School District	Northern Valley Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,047,900 (-) Land $614,800 Building $433,100	$1,047,900 (-) Land $614,800 Building $433,100
2025	$18,915.00 (+17.41%)	$1,047,900 (+98.84%) Land $614,800 Building $433,100	$1,047,900 (+98.84%) Land $614,800 Building $433,100
2024	$16,110.00 (+7.68%)
2023		$527,000 Land $332,400 Building $194,600	$527,000 Land $332,400 Building $194,600
2022	$14,961.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 South St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	4 (1999–2021)
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

Wildfire risk around 103 South St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20