Bergen County and Closter Borough property record for 15 1st St, Closter, NJ 07624
| Property Type | Single Family Home |
|---|---|
| Details | 4,871 sqft · built 2005 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,760,000 (Aug 2025) |
| Tax Bill | $34,488 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Dec 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-01707-0000-00008 |
| Primary APN | 07-01707-0000-00008 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,871 sqft Living Area |
| 1st Floor Area | 4,871 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 150 ft deep x 105 ft wide |
| Account Number | 077190 |
|---|---|
| Street Address | 15 1ST ST |
| City | CLOSTER |
| State | NJ |
| Zip | 07624-3008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | 0.36 AC |
| Legal Subdivision | BOROUGH/CLOSTER |
| Legal Block | 1707 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CLOSTER |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 7002 |
15 1st St is owned and occupied by two individuals who bought it in August 2025.
Source: Bergen County and Closter Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 1ST ST, CLOSTER, NJ 07624-3008 |
| 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.
| Date | Document |
|---|---|
| Aug 28, 2025 | Deed, Transfer · Conventional Mortgage BBCN BANK |
| Dec 19, 2023 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Oct 3, 2023 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2025 · Amount on File |
| Deed Sale | Aug 28, 2025 · Amount on File |
| Prior Sale | Jun 12, 2007 · Amount on File |
| Deed Document Number | 202559608 |
| Deed Book / Page | 5588 / 707 |
| Prior Transfer Date | May 27, 2003 |
| Prior Transfer Doc | 8582000630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 28, 2025 |
| Property Address | 15 1ST ST, CLOSTER, NJ 07624-3008 |
| Document Number | 0055880707 |
| Book / Page | 5588 / 707 |
| Instrument Date | Aug 12, 2025 |
| Instrument | 2025059608 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | HUDSON ONE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36,371.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1602 HAMPTON OAKS CIR, HOUSTON, TX 77094-3100 |
| Name | Verified Name |
|---|---|
| Address | 15 1ST ST, CLOSTER, NJ 07624-3008 |
| Document Number | 2025059609 |
|---|---|
| Date | Aug 28, 2025 |
| Instrument | 2025059609 |
| Name | BBCN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4% |
| Max Rate At Change | 7.87% |
| Index | SOFR Average 30-Day |
| Margin | 4 |
| Max Rate | 10.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 15 1ST ST, CLOSTER, NJ 07624-3008 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 15 1ST ST, CLOSTER, NJ 07624-3008 |
| Investor | Possibly a Property Investor |
| Document Number | 0051440509 |
|---|---|
| Date | Dec 19, 2023 |
| Book Page | 5144/509 |
| Instrument | 2023080456 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 15 1ST ST, CLOSTER, NJ 07624-3008 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2023 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 15 1ST ST, CLOSTER, NJ 07624-3008 |
| Investor | Possibly a Property Investor |
| Document Number | 0050961072 |
|---|---|
| Date | Oct 3, 2023 |
| Book Page | 5096/1072 |
| Instrument | 2023064874 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Oct 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.3% |
| Margin | 3 |
| Max Rate | 11.3% |
The 2025 property tax bill for 15 1st St was $34,488, up 5.8% from the year before.
Source: Bergen County and Closter Borough assessment roll, as of June 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,872,600 (+12.5%) Land $496,100 Building $1,376,500 | $1,872,600 (+12.5%) Land $496,100 Building $1,376,500 | |
| 2025 | $34,488.00 (+5.85%) | $1,664,500 Land $424,100 Building $1,240,400 | $1,664,500 Land $424,100 Building $1,240,400 |
| 2024 | $32,582.00 | ||
| 2023 | $1,480,400 Land $344,300 Building $1,136,100 | $1,480,400 Land $344,300 Building $1,136,100 | |
| 2022 | $31,485.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 1st St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2011.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (2011–2021) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 15 1st St is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 234 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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