112 Commerce St, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 112 Commerce St, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	2,280 sqft · built 1988
Lot Size	0.111 acres (4,813 sqft)
Owner	Individual Name on Record
Last Sale	$439,000 (Nov 2015)
Tax Bill	$13,485 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-00036-0000-00001-02`

Property Details

APN / Parcel Number

Primary APN	`21-00036-0000-00001-02`
Alternative APNs	`21000360000000010002` `006899`

Interior

Units	2 Units
Stories	2 Stories
Building Area	2,280 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Frame
Construction Type	Frame
Lot Area	4,813 sqft (0.111 acres)

Location & Zoning

Account Number	006899
Street Address	112 COMMERCE ST
City	GARFIELD
State	NJ
Zip	07026-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4814 SF
Legal Subdivision	CITY/GARFIELD
Legal Block	36
Legal Lot Number	1.02
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	5
Census Block	5007
Census Tract	21500

Owner

Source: Bergen County and Garfield City records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	112 COMMERCE ST, GARFIELD, NJ 07026-1814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Oct 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Sep 4, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 4, 2019	Loan Modification, Mortgage · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2015 · Amount on Record
Deed Sale	Nov 4, 2015 · Amount on Record
Prior Sale	Feb 5, 2002 · Amount on Record
Deed Document Number	201582362
Deed Book / Page	2093 / 566
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	112 COMMERCE ST, GARFIELD, NJ 07026-1814
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 COMMERCE ST, GARFIELD, NJ 07026-1814

Mortgage

Document Number	0056140388
Date	Oct 2, 2025
Book Page	5614/388
Instrument	2025067854

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Sep 1, 2065

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	112 COMMERCE ST, GARFIELD, NJ 07026-1814
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051040479
Date	Oct 13, 2023
Book Page	5104/479
Instrument	2023067486

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	112 COMMERCE ST, GARFIELD, NJ 07026-1814
Document Number	0034212226
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 COMMERCE ST GARFIELD NJ 070261814, GARFIELD, NJ 07026-1814

Mortgage

Document Number	0034212226
Date	Nov 26, 2019
Book Page	003421/002226
Instrument	82325

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BERGEN NJ
Property Address	112 COMMERCE ST, GARFIELD, NJ 07026-1814
Document Number	0033902327
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 COMMERCE ST GARFIELD NJ 070261814, GARFIELD, NJ 07026-1814

Mortgage

Document Number	0033902327
Date	Oct 29, 2019
Book Page	003390/002327
Instrument	73149

Lender

Name	NEWREZ LLC
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Interest

Rate	4.37%

Tax Assessment & Valuation

Source: Bergen County and Garfield City assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Garfield City
Unified School District	Garfield City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$387,600 (-) Land $122,200 Building $265,400	$387,600 (-) Land $122,200 Building $265,400
2025	$13,485.00 (+4.26%)	$387,600 (-) Land $122,200 Building $265,400	$387,600 (-) Land $122,200 Building $265,400
2024	$12,934.00 (+6.99%)
2023		$387,600 Land $122,200 Building $265,400	$387,600 Land $122,200 Building $265,400
2022	$12,089.00

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

Flood

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	GARFIELD WATER DEPARTMENT serves 30,487 people · EPA ID NJ0221001
Water Source	Purchased surface water from PASSAIC VALLEY WATER COMMISSION
Last State Inspection	Nov 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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, 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 475 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

May also be available: AT&T, T-Mobile.

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