Bergen County and Closter Borough property record for 12 Harvard St, Closter, NJ 07624
| Property Type | Single Family Home |
|---|---|
| Details | 3,984 sqft · built 2003 |
| Lot Size | 0.278 acres (12,125 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $987,500 (Dec 2003) |
| Tax Bill | $29,572 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-02002-0000-00002 |
| Primary APN | 07-02002-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,984 sqft Living Area |
| 1st Floor Area | 3,984 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Frame |
| Lot Area | 12,125 sqft (0.278 acres) |
| Lot Width | 20 ft Width |
| Account Number | 080210 |
|---|---|
| Street Address | 12 HARVARD ST |
| City | CLOSTER |
| State | NJ |
| Zip | 07624-1512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICTN |
| Legal Description | L12-16 20XV 6LT |
| Legal Subdivision | ALPINE BERGEN ESTATES |
| Legal Block | 2002 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CLOSTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 7002 |
Source: Bergen County and Closter 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 | 12 HARVARD ST, CLOSTER, NJ 07624-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA |
| Jul 31, 2018 | Deed of Trust, Mortgage FEDERAL SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2003 · Amount on Record |
| Deed Sale | Dec 16, 2003 · Amount on Record |
| Prior Sale | Sep 30, 2002 · Amount on Record |
| Deed Book / Page | 8642 / 496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 HARVARD ST, CLOSTER, NJ 07624-1512 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0036380888 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 3638/888 |
| Instrument | 20-063970 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Jul 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 HARVARD ST, CLOSTER, NJ 07624-1512 |
| Document Number | 0030261242 |
| Instrument Date | Jul 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | BERKSHIRE ABSTRACT AND TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 HARVARD ST CLOSTER NJ 076241512, CLOSTER, NJ 07624-1512 |
| Document Number | 0030261242 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 003026/001242 |
| Instrument | 58198 |
| Name | FEDERAL SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CHICAGO, IL 60607 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 13, 2033 |
Source: Bergen County and Closter Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Closter Borough |
| Elementary School District | Closter Borough School District (KG - 08) |
| Secondary School District | Northern Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,567,300 (+9.82%) Land $597,500 Building $969,800 | $1,567,300 (+9.82%) Land $597,500 Building $969,800 | |
| 2025 | $29,572.00 (+3.04%) | $1,427,200 (+8.95%) Land $580,000 Building $847,200 | $1,427,200 (+8.95%) Land $580,000 Building $847,200 |
| 2024 | $28,699.00 (+6.58%) | ||
| 2023 | $1,309,900 Land $532,500 Building $777,400 | $1,309,900 Land $532,500 Building $777,400 | |
| 2022 | $26,926.00 |
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 | 2 in force |
| Nearby Flood Claims | 1 (1990) |
| Most Recent Claim | May 1990 · alluvial fan flooding |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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