13 Stephens St, Belleville, NJ 07109 Property Records

Essex County and Belleville Township property record for 13 Stephens St, Belleville, NJ 07109

Property Summary

Property Type	Single Family Home
Details	1,305 sqft · built 1897
Lot Size	0.057 acres (2,496 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Jun 1988)
Tax Bill	$7,599 (2025)
Deeds & Mortgages	Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-09401-0000-00022`

Property Details

APN / Parcel Number

Primary APN	`01-09401-0000-00022`
Alternative APNs	`010001500021` `00000122`

Interior

Stories	2 Stories
Building Area	1,305 sqft Living Area

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Construction Type	Frame
Lot Area	2,496 sqft (0.057 acres)
Lot Dimensions	98 ft deep x 32 ft wide

Location & Zoning

Account Number	00000122
Street Address	13 STEPHENS ST
City	BELLEVILLE
State	NJ
Zip	07109-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25.32X98.5
Legal Block	9401
Legal Lot Number	22
Jurisdiction	ESSEX NJ
Township / Civil Division	BELLEVILLE
Census Block Group	3
Census Block	3016
Census Tract	14400

Owner

13 Stephens St is owned and occupied by two individuals who bought it in June 1988.

Source: Essex County and Belleville Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13 STEPHENS ST, BELLEVILLE, NJ 07109-3018
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 1988 · Amount on File
Deed Sale	Jun 6, 1988 · Amount on File
Deed Book / Page	5031 / 904
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	13 STEPHENS ST, BELLEVILLE, NJ 07109-3018
Document Number	0000037306
Instrument Date	Apr 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 STEPHENS ST BELLEVILLE NJ 071093018, BELLEVILLE, NJ 07109-3018

Mortgage

Document Number	0000037306
Date	Apr 30, 2018
Instrument	37306

Lender

Name	HOMEWARD RESID'L
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 29, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 13 Stephens St was $7,599, up 3.1% from the year before.

Source: Essex County and Belleville Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Belleville Township
Unified School District	Belleville Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,800 (-) Land $68,100 Building $114,700	$182,800 (-) Land $68,100 Building $114,700
2025	$7,599.00 (+3.08%)	$182,800 Land $68,100 Building $114,700	$182,800 Land $68,100 Building $114,700
2024	$7,372.00
2023		$182,800 Land $68,100 Building $114,700	$182,800 Land $68,100 Building $114,700
2022	$7,039.00

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

Flood

FEMA maps place 13 Stephens St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	41 (1981–2024)
Claims Outside the SFHA	9 of 41
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 7 claims Hurricane Sandy, Nov 2012 · 13 claims Hurricane Irene, Aug 2011 · 9 claims

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

The area around 13 Stephens St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	BELLEVILLE WATER DEPT serves 35,129 people · EPA ID NJ0701001
Water Source	Purchased surface water from NEWARK WATER DEPARTMENT
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Haloacetic acids resolved · Oct 2019 Total trihalomethanes resolved · Jul 2019 Treatment failure resolved · Oct 2016
Treatment and Procedure	Lead service line replacement currently in violation since Jul 2021 Corrosion control Jan 2023 Coliform corrective action Jan 2020
Monitoring and Reporting	19 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 580 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Optimum.

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