Bergen County and Cresskill Borough property record for 12 Morningside Ave, Cresskill, NJ 07626
| Property Type | Single Family Home |
|---|---|
| Details | 1,680 sqft · built 1950 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $395,000 (Jul 2019) |
| Tax Bill | $12,668 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2023 Second Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 08-00163-0000-00016 |
| Primary APN | 08-00163-0000-00016 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,680 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Frame |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| Parking Spaces | 1 Parking Space |
| Account Number | 211600 |
|---|---|
| Street Address | 12 MORNINGSIDE AVE |
| City | CRESSKILL |
| State | NJ |
| Zip | 07626-1512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | 70X100 2.4LT |
| Legal Subdivision | PARK HILL-CRESSKILL/CRESSKILL |
| Legal Block | 163 |
| Legal Lot Number | 16 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CRESSKILL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 8001 |
Source: Bergen County and Cresskill Borough records, as of September 9, 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 | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Apr 4, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Dec 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jan 23, 2026 | Intrafamily Transfer, Transfer HOMETAP EQUITY PARTNERS LLC |
| Jul 11, 2019 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2019 · Amount on Record |
| Deed Sale | Jul 11, 2019 · Amount on Record |
| Prior Sale | Nov 6, 2008 · Amount on Record |
| Deed Document Number | 201944579 |
| Deed Book / Page | 3291 / 2027 |
| Last Transfer Date | Jan 8, 2026 |
| Transfer Doc | 0057090367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 18, 2026 |
| Property Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Document Number | 0000057101 |
| Book / Page | 5877 / 1186 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 202657101 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|---|
| Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Document Number | 0000057101, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 5877/1186 |
| Instrument | 202657101 |
| Name | PLAZA HOME MORTGAGE INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0049660286 |
|---|---|
| Date | Apr 4, 2023 |
| Book Page | 4966/286 |
| Instrument | 2023023401 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 4, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Document Number | 0045111458 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 4511/1458 |
| Instrument | 2021187312 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 23, 2026 |
| Property Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Document Number | 0057090367 |
| Book / Page | 5709 / 367 |
| Instrument Date | Jan 8, 2026 |
| Instrument | 2026005180 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Name | Verified Name |
|---|---|
| Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Document Number | 2026005181 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 2026005181 |
| Name | HOMETAP EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 13, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 11, 2019 |
| Property Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
| Document Number | 0032912027 |
| Book / Page | 3291 / 2027 |
| Instrument Date | May 24, 2019 |
| Instrument | 19-044579 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 MORNINGSIDE AVE, CRESSKILL, NJ 07626-1512 |
Source: Bergen County and Cresskill Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Cresskill Borough |
| Unified School District | Cresskill Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $647,000 (+15.89%) Land $391,000 Building $256,000 | $647,000 (+15.89%) Land $391,000 Building $256,000 | |
| 2025 | $12,668.00 (+4.91%) | $558,300 (+9.82%) Land $319,500 Building $238,800 | $558,300 (+9.82%) Land $319,500 Building $238,800 |
| 2024 | $12,075.00 (+6.49%) | ||
| 2023 | $508,400 Land $285,500 Building $222,900 | $508,400 Land $285,500 Building $222,900 | |
| 2022 | $11,339.00 |
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 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 Record median of 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 20 (1999–2024) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Aug 2024 · river or lake flooding |
| 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 96% of the US · lower than 89% 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.
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 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 |
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