Bergen County and Waldwick Borough property record for 13 Charles Ter, Waldwick, NJ 07463
| Property Type | Single Family Home |
|---|---|
| Details | 1,320 sqft · built 1950 |
| Lot Size | 0.145 acres (6,294 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $419,000 (Sep 2007) |
| Tax Bill | $10,165 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-00018-03-00014 |
| Primary APN | 64-00018-03-00014 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 6,294 sqft (0.145 acres) |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 6400018C00014 |
|---|---|
| Street Address | 13 CHARLES TER |
| City | WALDWICK |
| State | NJ |
| Zip | 07463-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6295 SF |
| Legal Block | 18.03 |
| Legal Lot Number | 14 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | WALDWICK |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 56100 |
Source: Bergen County and Waldwick Borough records, as of October 13, 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 | 13 CHARLES TER, WALDWICK, NJ 07463-2002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA |
| Oct 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2007 · Amount on Record |
| Deed Sale | Sep 17, 2007 · Amount on Record |
| Prior Sale | Nov 20, 2000 · Amount on Record |
| Deed Document Number | 2007104995 |
| Deed Book / Page | 9408 / 313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 14, 2026 |
| Property Address | 13 CHARLES TER, WALDWICK, NJ 07463-2002 |
| Document Number | 0000032566 |
| Book / Page | 5797 / 1182 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 202632566 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 13 CHARLES TER, WALDWICK, NJ 07463-2002 |
| Document Number | 0000032566, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 5797/1182 |
| Instrument | 202632566 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 24, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 13 CHARLES TER, WALDWICK, NJ 07463-2002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037960526 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 3796/526 |
| Instrument | 20-112128 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2035 |
Source: Bergen County and Waldwick Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Waldwick Borough |
| Unified School District | Waldwick Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $442,900 (-) Land $279,200 Building $163,700 | $442,900 (-) Land $279,200 Building $163,700 | |
| 2025 | $10,165.00 (+3.66%) | $442,900 (+24.31%) Land $279,200 Building $163,700 | $442,900 (+24.31%) Land $279,200 Building $163,700 |
| 2024 | $9,806.00 (-3.36%) | ||
| 2023 | $356,300 Land $227,200 Building $129,100 | $356,300 Land $227,200 Building $129,100 | |
| 2022 | $10,147.00 |
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 | 1 in force |
| Nearby Flood Claims | 2 (2007–2021) |
| Claims Outside the SFHA | 2 of 2 |
| 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 99.1% of the US · lower than 97.3% 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 | WALDWICK WATER DEPT serves 10,208 people · EPA ID NJ0264001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 5 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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 810 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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