Bergen County and Demarest Borough property record for 109 Lake Rd, Demarest, NJ 07627
| Property Type | Single Family Home |
|---|---|
| Details | 2,460 sqft · built 2016 |
| Lot Size | 0.188 acres (8,189 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,860,000 (Sep 2025) |
| Tax Bill | $28,035 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Apr 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00082-04-00007 |
| Primary APN | 09-00082-04-00007 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,460 sqft Living Area |
|---|
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Lot Area | 8,189 sqft (0.188 acres) |
| Lot Dimensions | 117 ft deep x 70 ft wide |
| Old Parcel Number | 0900082D00007 |
|---|---|
| Street Address | 109 LAKE RD |
| City | DEMAREST |
| State | NJ |
| Zip | 07627-1223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.188AC |
| Legal Subdivision | MAYFAIR GARDENS |
| Legal Block | 82.4 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | DEMAREST |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 9100 |
Source: Bergen County and Demarest Borough records, as of June 29, 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 Record |
|---|---|
| Mailing Address | 109 LAKE RD, DEMAREST, NJ 07627-1223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2025 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 20, 2017 | Deed of Trust, Mortgage · ARM BANK OF AMERICA NA |
| Oct 6, 2020 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2025 · Amount on Record |
| Deed Sale | Sep 11, 2025 · Amount on Record |
| Prior Sale | Oct 6, 2020 · Amount on Record |
| Deed Document Number | 202562708 |
| Deed Book / Page | 5598 / 71 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 11, 2025 |
| Property Address | 109 LAKE RD, DEMAREST, NJ 07627-1223 |
| Document Number | 0055980071 |
| Book / Page | 5598 / 71 |
| Instrument Date | Aug 11, 2025 |
| Instrument | 2025062708 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | BROOKLYN LAND TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $38,581.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 CAROL CT, DEMAREST, NJ 07627-1203 |
| Name | Verified Name |
|---|---|
| Address | 109 LAKE RD, DEMAREST, NJ 07627-1223 |
| Document Number | 2025062709 |
|---|---|
| Date | Sep 11, 2025 |
| Instrument | 2025062709 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11% |
| Index | SOFR Average 30-Day |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 109 LAKE RD, DEMAREST, NJ 07627-1223 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | TWO RIVERS TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0025920835 |
|---|---|
| Date | Apr 20, 2017 |
| Book Page | 02592/0835 |
| Instrument | 17-032442.01 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 6, 2020 |
| Property Address | 109 LAKE RD, DEMAREST, NJ 07627-1223 |
| Document Number | 0037500673 |
| Book / Page | 3750 / 673 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 20-098706 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | FIRST JERSEY TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24,271.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 FOREST RD, 14, TENAFLY, NJ 07670-2210 |
| Name | Verified Name |
|---|---|
| Address | 109 LAKE RD, DEMAREST, NJ 07627-1223 |
| Document Number | 0020098707 |
|---|---|
| Date | Oct 6, 2020 |
| Instrument | 20-098707 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 109 LAKE RD, DEMAREST, NJ 07627-1223 |
| Document Number | 0034921453 |
| Instrument Date | Dec 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 LAKE RD DEMAREST NJ 076271223, DEMAREST, NJ 07627-1223 |
| Document Number | 0034921453 |
|---|---|
| Date | Feb 5, 2020 |
| Book Page | 003492/001453 |
| Instrument | 20013743 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 4, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
Source: Bergen County and Demarest Borough assessment roll, as of June 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,553,200 (-) Land $540,200 Building $1,013,000 | $1,553,200 (-) Land $540,200 Building $1,013,000 | |
| 2025 | $28,035.00 (-15.93%) | $1,553,200 (+42.39%) Land $540,200 Building $1,013,000 | $1,553,200 (+42.39%) Land $540,200 Building $1,013,000 |
| 2024 | $33,346.00 (+4.77%) | $1,090,800 (-) Land $358,700 Building $732,100 | $1,090,800 (-) Land $358,700 Building $732,100 |
| 2023 | $31,829.00 (+2.78%) | $1,090,800 Land $358,700 Building $732,100 | $1,090,800 Land $358,700 Building $732,100 |
| 2022 | $30,967.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 in force |
| Nearby Flood Claims | 18 (1980–2021) |
| Claims Outside the SFHA | 5 of 18 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 294 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 |
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