149 Ray St, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 149 Ray St, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	1,880 sqft · built 1920
Lot Size	0.062 acres (2,701 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Mar 2021)
Tax Bill	$8,221 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-00191-0000-00060`

Property Details

APN / Parcel Number

Primary APN	`21-00191-0000-00060`
Alternative APNs	`210019100060` `005162`

Interior

Units	2 Units
Stories	2 Stories
Building Area	1,880 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	2,701 sqft (0.062 acres)
Lot Dimensions	100 ft deep x 27 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	005162
Street Address	149 RAY ST
City	GARFIELD
State	NJ
Zip	07026-3654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	2700 SF
Legal Block	191
Legal Lot Number	60
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	6
Census Block	6005
Census Tract	21200

Owner

Source: Bergen County and Garfield City records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	149 RAY ST, GARFIELD, NJ 07026-3654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2021 · Amount on Record
Deed Sale	Mar 17, 2021 · Amount on Record
Deed Document Number	202138334
Deed Book / Page	4020 / 368
Record Updated	Sep 20, 2026

March 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 17, 2021
Property Address	149 RAY ST, GARFIELD, NJ 07026-3654
Document Number	0040200368
Book / Page	4020 / 368
Instrument Date	Jan 8, 2021
Instrument	2021038334
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,407.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 RAY ST, 149, GARFIELD, NJ 07026-3654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 RAY ST, GARFIELD, NJ 07026-3654

Mortgage

Document Number	0040200373
Date	Mar 17, 2021
Book Page	4020/373
Instrument	2021038335

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Bergen County and Garfield City assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$236,300 (-) Land $90,500 Building $145,800	$236,300 (-) Land $90,500 Building $145,800
2025	$8,221.00 (+4.26%)	$236,300 (-) Land $90,500 Building $145,800	$236,300 (-) Land $90,500 Building $145,800
2024	$7,885.00 (+6.99%)
2023		$236,300 Land $90,500 Building $145,800	$236,300 Land $90,500 Building $145,800
2022	$7,370.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	16 (1978–1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

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	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	GARFIELD WATER DEPARTMENT serves 30,487 people · EPA ID NJ0221001
Water Source	Purchased surface water from PASSAIC VALLEY WATER COMMISSION
Last State Inspection	Nov 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 970 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

May also be available: T-Mobile.

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