Bergen County and Garfield City property record for 166 Ray St, Garfield, NJ 07026
| Property Type | Single Family Home |
|---|---|
| Details | 2,816 sqft · built 1922 |
| Lot Size | 0.087 acres (3,798 sqft) |
| Owner | Individual Name on File |
| Last Sale | $473,000 (Nov 2005) |
| Tax Bill | $11,296 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00189-0000-00029 |
| Primary APN | 21-00189-0000-00029 |
|---|---|
| Alternative APNs |
|
| Units | 4 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,816 sqft Living Area |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 3,798 sqft (0.087 acres) |
| Lot Dimensions | 106 ft deep x 38 ft wide |
| Account Number | 005086 |
|---|---|
| Street Address | 166 RAY ST |
| City | GARFIELD |
| State | NJ |
| Zip | 07026-3634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 3800 SF |
| Legal Subdivision | ACKENMAN REALTY CO |
| Legal Block | 189 |
| Legal Lot Number | 29 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | GARFIELD |
| Census Block Group | 6 |
| Census Block | 6003 |
| Census Tract | 21200 |
166 Ray St is owned by an individual who acquired it in July 2021.
Source: Bergen County and Garfield City records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 HILLSIDE AVE, DUMONT, NJ 07628-3314 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2005 · Amount on File |
| Deed Sale | Nov 5, 2005 · Amount on File |
| Deed Book / Page | 8946 / 49 |
| Last Transfer Date | Jul 16, 2021 |
| Transfer Doc | 0043370964 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 19, 2021 |
| Property Address | 166 RAY ST, GARFIELD, NJ 07026-3634 |
| Document Number | 0043370964 |
| Book / Page | 4337 / 964 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 2021133324 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Title Company | AMTRUST TITLE INSURANCE COMPANY, AMTRUST TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 166 RAY ST, 166, GARFIELD, NJ 07026-3634 |
| Name | Verified Name |
|---|---|
| Address | 11 HILLSIDE AVE, DUMONT, NJ 07628-3314 |
| Document Number | 2021133325 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 2021133325 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2036 |
The 2025 property tax bill for 166 Ray St was $11,296, up 4.3% from the year before.
Source: Bergen County and Garfield City assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Garfield City |
| Unified School District | Garfield City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $324,700 (-) Land $101,700 Building $223,000 | $324,700 (-) Land $101,700 Building $223,000 | |
| 2025 | $11,296.00 (+4.25%) | $324,700 Land $101,700 Building $223,000 | $324,700 Land $101,700 Building $223,000 |
| 2024 | $10,835.00 | ||
| 2023 | $324,700 Land $101,700 Building $223,000 | $324,700 Land $101,700 Building $223,000 | |
| 2022 | $10,127.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 166 Ray St in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1978.
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.
The area around 166 Ray 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.
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 |
| 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.
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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