128 Elm St, Cresskill, NJ 07626 Property Records

Bergen County and Cresskill Borough property record for 128 Elm St, Cresskill, NJ 07626

Property Summary

Property Type	Single Family Home
Details	1,497 sqft · built 1951
Lot Size	0.193 acres (8,398 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Dec 2003)
Tax Bill	$12,348 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-00128-0000-00014-01`

Property Details

APN / Parcel Number

Primary APN	`08-00128-0000-00014-01`
Alternative APNs	`08001280000000140001` `176400`

Interior

Stories	1 Story
Building Area	1,497 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Frame
Construction Type	Frame
Lot Area	8,398 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	176400
Street Address	128 ELM ST
City	CRESSKILL
State	NJ
Zip	07626-1807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60X140 3.1L 15,16,17
Legal Subdivision	LAYOUT MERRIT PARK
Legal Block	128
Legal Lot Number	14.01
Jurisdiction	BERGEN NJ
Township / Civil Division	CRESSKILL
Census Block Group	2
Census Block	2014
Census Tract	8002

Owner

128 Elm St is owned and occupied by an individual who bought it in December 2003.

Source: Bergen County and Cresskill Borough records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	128 ELM ST, CRESSKILL, NJ 07626-1807
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
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 5, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2003 · Amount on File
Deed Sale	Dec 12, 2003 · Amount on File
Deed Book / Page	8641 / 333
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	128 ELM ST, CRESSKILL, NJ 07626-1807
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043520289
Date	Aug 30, 2021
Book Page	4352/289
Instrument	2021137722

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jul 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	128 ELM ST, CRESSKILL, NJ 07626-1807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 ELM ST, CRESSKILL, NJ 07626-1807

Mortgage

Document Number	0035900417
Date	May 5, 2020
Book Page	3590/417
Instrument	20-045965

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Apr 20, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 128 Elm St was $12,348, up 7.6% from the year before.

Source: Bergen County and Cresskill Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Cresskill Borough
Unified School District	Cresskill Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$665,000 (+22.2%) Land $450,100 Building $214,900	$665,000 (+22.2%) Land $450,100 Building $214,900
2025	$12,348.00 (+7.59%)	$544,200 Land $375,400 Building $168,800	$544,200 Land $375,400 Building $168,800
2024	$11,477.00
2023		$476,900 Land $319,300 Building $157,600	$476,900 Land $319,300 Building $157,600
2022	$10,756.00

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

Flood

FEMA maps place 128 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	4 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.

Wildfire

Wildfire risk around 128 Elm St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 726 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

May also be available: T-Mobile.

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