131 West St, Closter, NJ 07624 Property Records

Bergen County and Closter Borough property record for 131 West St, Closter, NJ 07624

Property Summary

Property Type	Single Family Home
Details	3,000 sqft · built 2020
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Apr 2021)
Tax Bill	$21,288 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-01205-0000-00002-01`

Property Details

APN / Parcel Number

Primary APN	`07-01205-0000-00002-01`
Alternative APN	`023160`

Interior

Stories	1 Story
Building Area	3,000 sqft Living Area
1st Floor Area	3,000 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Frame
Construction Type	Frame
Lot Area	9,714 sqft (0.223 acres)

Location & Zoning

Account Number	023160
Street Address	131 WEST ST
City	CLOSTER
State	NJ
Zip	07624-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.223 AC
Legal Block	1205
Legal Lot Number	2.01
Jurisdiction	BERGEN NJ
Township / Civil Division	CLOSTER
Census Block Group	2
Census Block	2004
Census Tract	7001

Owner

Source: Bergen County and Closter 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	131 WEST ST, CLOSTER, NJ 07624-1226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY FCU
Apr 15, 2021	Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Prior Sale	Jan 2, 2018 · Amount on Record
Deed Document Number	202157201
Deed Book / Page	4080 / 1292
Prior Transfer Date	Feb 22, 2019
Prior Transfer Doc	0000020752
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	131 WEST ST, CLOSTER, NJ 07624-1226
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 WEST ST, CLOSTER, NJ 07624-1226
Investor	Possibly a Property Investor

Mortgage

Document Number	0057351367
Date	Mar 3, 2026
Book Page	5735/1367
Instrument	2026013502

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.5%

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 15, 2021
Property Address	131 WEST ST, CLOSTER, NJ 07624-1226
Document Number	0040801292
Book / Page	4080 / 1292
Instrument Date	Jan 14, 2021
Instrument	2021057201
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 INDUSTRIAL AVE, 101, HASBROUCK HEIGHTS, NJ 07604-2896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 WEST ST, CLOSTER, NJ 07624-1226

Mortgage

Document Number	2021057202
Date	Apr 15, 2021
Instrument	2021057202

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Closter Borough
Elementary School District	Closter Borough School District (KG - 08)
Secondary School District	Northern Valley Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,196,700 (+16.48%) Land $399,400 Building $797,300	$1,196,700 (+16.48%) Land $399,400 Building $797,300
2025	$21,288.00 (+5.98%)	$1,027,400 (+9.75%) Land $349,100 Building $678,300	$1,027,400 (+9.75%) Land $349,100 Building $678,300
2024	$20,087.00 (+1.42%)
2023		$936,100 Land $302,600 Building $633,500	$936,100 Land $302,600 Building $633,500
2022	$19,806.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	35 (1979–2021)
Claims Outside the SFHA	7 of 35
Most Recent Claim	Oct 2021 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 6 claims Hurricane Irene, Aug 2011 · 4 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 81% 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.

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 218 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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