Bergen County and Waldwick Borough property record for 12 Smith St, Waldwick, NJ 07463 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Architecture Style | Cape Cod |
| Year Built | Built 1930 |
| Square Footage | 1,369 sqft Living Area |
| Lot Size | 10,001 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $500,000 (2023) |
| Tax Bill | $11,923.00 (2025) |
| Primary APN | 64-00132-0000-00005 |
|---|---|
| Alternative APN |
|
| Building Area | 1,369 sqft Living Area |
|---|---|
| Stories | 2 Stories |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 10,001 sqft (0.23 acres) |
| Depth X Width | 200 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Street Address | 12 SMITH ST |
|---|---|
| City | WALDWICK |
| State | NJ |
| Zip | 07463-1613 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 50X200 2LT |
| Legal Block | 132 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Minor Civil Division | WALDWICK |
| Census Blockgroup | 1 |
| Census Block | 1011 |
| Census Tract | 56200 |
Source: Bergen County and Waldwick Borough records · APN 64-00132-0000-00005
Assessment roll updated June 29, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 12 SMITH ST, WALDWICK, NJ 07463-1613 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 16, 2023 | Deed, Transfer · Conventional Mortgage US BANK NA |
| Jul 06, 2021 | Deed of Trust, Mortgage · Commercial Mortgage NVE BANK |
| Oct 24, 2019 | Dual Purpose Document, Transfer · Conventional Mortgage SPROUT MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2023 · Amount on Record |
| Deed Sale | Nov 16, 2023 · Amount on Record |
| Prior Sale | Oct 24, 2019 · Amount on Record |
| Deed Doc Number | 202374836 |
| Deed Book / Page | 5127 / 513 |
| Prior Transfer Date | Jan 31, 2008 |
| Prior Transfer Doc | 0094900365 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 16, 2023 |
| Property Address | 12 SMITH ST, WALDWICK, NJ 07463-1613 |
| Document Number | 0051270513 |
| Book / Page | 5127 / 513 |
| Instrument Date | Oct 25, 2023 |
| Instrument | 2023074836 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1027 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 12 SMITH ST, WALDWICK, NJ 07463-1613 |
| Document Number | 0051270519 |
|---|---|
| Date | Nov 16, 2023 |
| Book Page | 5127/519 |
| Instrument | 2023074837 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 SMITH ST, WALDWICK, NJ 07463-1613 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 50 TICE BLVD, WOODCLIFF LAKE, NJ 07677-7654 |
| Document Number | 0042540056 |
|---|---|
| Date | Jul 06, 2021 |
| Book Page | 4254/56 |
| Instrument | 2021107997 |
| Name | NVE BANK |
|---|---|
| Type | Bank |
| Address | ENGLEWOOD, NJ 07631 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Dual Purpose Document |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 24, 2019 |
| Property Address | 12 SMITH ST, WALDWICK, NJ 07463-1613 |
| Document Number | 0033850394 |
| Book / Page | 003385 / 000394 |
| Instrument Date | Aug 08, 2019 |
| Instrument | 71542 |
| Transaction Type | Transfer |
| Record Updated | Nov 07, 2019 |
| Title Company | FIRST BERGEN TITLE AGENCY LLC, FIRST BERGEN TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $405.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12 SMITH ST WALDWICK NJ 074631613, WALDWICK, NJ 07463-1613 |
| Document Number | 33850399 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 003385/000399 |
| Instrument | 71542 |
| Name | SPROUT MTG |
|---|---|
| Address | IRVING, TX 75038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Oct 23, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.48% |
Source: Bergen County and Waldwick Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Waldwick Borough |
| Unified School District | Waldwick Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $519,500 (-) Land $275,000 Building $244,500 | $519,500 (-) Land $275,000 Building $244,500 | |
| 2025 | $11,923.00 (+3.66%) | $519,500 (+43.07%) Land $275,000 Building $244,500 | $519,500 (+43.07%) Land $275,000 Building $244,500 |
| 2024 | $11,502.00 (+11.23%) | ||
| 2023 | $363,100 (-) Land $230,000 Building $133,100 | $363,100 (-) Land $230,000 Building $133,100 | |
| 2022 | $10,341.00 (+1.93%) | $363,100 Land $230,000 Building $133,100 | $363,100 Land $230,000 Building $133,100 |
| 2021 | $10,145.00 |
12 Smith St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Bergen County (34003C), updated December 8, 2024
| FEMA Flood Zone | Zone X moderate flood hazard · within the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 4th percentile of exposed land nationally · 10th in New Jersey |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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