Bergen County and Demarest Borough property record for 12 Van Horn St, Demarest, NJ 07627
| Property Type | Single Family Home |
|---|---|
| Details | 2,190 sqft · built 1897 |
| Lot Size | 0.285 acres (12,415 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,450,000 (Feb 2025) |
| Tax Bill | $22,541 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00004-0000-00120 |
| Primary APN | 09-00004-0000-00120 |
|---|---|
| Alternative APN |
|
| Building Area | 2,190 sqft Living Area |
|---|
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1897 |
| Lot Area | 12,415 sqft (0.285 acres) |
| Street Address | 12 VAN HORN ST |
|---|---|
| City | DEMAREST |
| State | NJ |
| Zip | 07627-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | D |
| Legal Description | 0.285AC |
| Legal Subdivision | BOSTON LAND CO ESTATE |
| Legal Block | 4 |
| Legal Lot Number | 120 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | DEMAREST |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 9100 |
Source: Bergen County and Demarest Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 VAN HORN ST, DEMAREST, NJ 07627-1918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK |
| Mar 19, 2024 | Deed, Transfer · Conventional Mortgage VISIONARY LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2025 · Amount on File |
| Deed Sale | Feb 12, 2025 · Amount on File |
| Prior Sale | Mar 19, 2024 · Amount on File |
| Deed Document Number | 202510192 |
| Deed Book / Page | 5426 / 1644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 VAN HORN ST, DEMAREST, NJ 07627-1918 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2026 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 12 VAN HORN ST, DEMAREST, NJ 07627-1918 |
| Document Number | 0057450237 |
|---|---|
| Date | Mar 12, 2026 |
| Book Page | 5745/237 |
| Instrument | 2026016511 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Mar 1, 2036 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.8% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.8% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 19, 2024 |
| Property Address | 12 VAN HORN ST, DEMAREST, NJ 07627-1918 |
| Document Number | 0051960928 |
| Book / Page | 5196 / 928 |
| Instrument Date | Mar 1, 2024 |
| Instrument | 2024014929 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,108.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23 CRESTWOOD DR, MOUNTAIN LAKES, NJ 07046-1701 |
| Name | Verified Name |
|---|---|
| Address | 12 VAN HORN ST, DEMAREST, NJ 07627-1918 |
| Document Number | 2024014930 |
|---|---|
| Date | Mar 19, 2024 |
| Instrument | 2024014930 |
| Name | VISIONARY LENDERS |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
Source: Bergen County and Demarest Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Demarest Borough |
| Elementary School District | Demarest Borough School District (KG - 08) |
| Secondary School District | Northern Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,248,800 (-) Land $614,000 Building $634,800 | $1,248,800 (-) Land $614,000 Building $634,800 | |
| 2025 | $22,541.00 (+38.06%) | $1,248,800 (+133.81%) Land $614,000 Building $634,800 | $1,248,800 (+133.81%) Land $614,000 Building $634,800 |
| 2024 | $16,327.00 (+7.68%) | ||
| 2023 | $534,100 Land $322,000 Building $212,100 | $534,100 Land $322,000 Building $212,100 | |
| 2022 | $15,163.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 3 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 551 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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