116 Cambridge Ave, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 116 Cambridge Ave, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	1,736 sqft · built 1920
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$198,000 (Jul 2010)
Tax Bill	$7,863 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-00051-0000-00021`

Property Details

APN / Parcel Number

Primary APN	`21-00051-0000-00021`
Alternative APNs	`210005100021` `001014`

Interior

Units	2 Units
Stories	2 Stories
Building Area	1,736 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Location & Zoning

Account Number	001014
Street Address	116 CAMBRIDGE AVE
City	GARFIELD
State	NJ
Zip	07026-3023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RTH
Legal Description	2500 SF
Legal Subdivision	CITY/GARFIELD
Legal Block	51
Legal Lot Number	21
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4001
Census Tract	21600

Owner

116 Cambridge Ave is owned and occupied by an individual who bought it in July 2010.

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

Owner of Record	Individual Name on File
Mailing Address	116 CAMBRIDGE AVE, GARFIELD, NJ 07026-3023
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA
Oct 6, 2020	Deed of Trust, Mortgage · SBA Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2010 · Amount on File
Deed Sale	Jul 16, 2010 · Amount on File
Prior Sale	Nov 30, 2009
Deed Document Number	20104780147
Deed Book / Page	478 / 147
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	116 CAMBRIDGE AVE, GARFIELD, NJ 07026-3023
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034890294
Date	Feb 4, 2020
Book Page	3489/294
Instrument	20-012504

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	116 CAMBRIDGE AVE, GARFIELD, NJ 07026-3023
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 CAMBRIDGE AVE, GARFIELD, NJ 07026-3023

Mortgage

Document Number	0037501031
Date	Oct 6, 2020
Book Page	3750/1031
Instrument	20-098760

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	SBA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 116 Cambridge Ave was $7,863, up 4.3% from the year before.

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		$226,000 (-) Land $68,900 Building $157,100	$226,000 (-) Land $68,900 Building $157,100
2025	$7,863.00 (+4.27%)	$226,000 Land $68,900 Building $157,100	$226,000 Land $68,900 Building $157,100
2024	$7,541.00
2023		$226,000 Land $68,900 Building $157,100	$226,000 Land $68,900 Building $157,100
2022	$7,048.00

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

Flood

FEMA maps place 116 Cambridge Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	81 (1980–2021)
Claims Outside the SFHA	8 of 81
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 16 claims Hurricane Irene, Aug 2011 · 28 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 16 claims

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

The area around 116 Cambridge Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 922 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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