Bergen County and Demarest Borough property record for 18 Ruth Ln, Demarest, NJ 07627
| Property Type | Single Family Home |
|---|---|
| Details | 2,149 sqft · built 1979 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,130,000 (Feb 2026) |
| Tax Bill | $15,731 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Sep 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00016-0000-01005 |
| Primary APN | 09-00016-0000-01005 |
|---|---|
| Alternative APN |
|
| Building Area | 2,149 sqft Living Area |
|---|
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Street Address | 18 RUTH LN |
|---|---|
| City | DEMAREST |
| State | NJ |
| Zip | 07627-2116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | D |
| Legal Description | 0.230AC |
| Legal Block | 16 |
| Legal Lot Number | 1005 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | DEMAREST |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 9100 |
Source: Bergen County and Demarest Borough records, as of June 30, 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 | 18 RUTH LN, DEMAREST, NJ 07627-2116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 19, 2026 | Deed, Transfer · Conventional Mortgage VALLEY NATIONAL BANK NA |
| Sep 18, 2025 | Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on Record |
| Deed Sale | Feb 19, 2026 · Amount on Record |
| Prior Sale | Sep 18, 2025 · Amount on Record |
| Deed Document Number | 202611025 |
| Deed Book / Page | 5727 / 1778 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 19, 2026 |
| Property Address | 18 RUTH LN, DEMAREST, NJ 07627-2116 |
| Document Number | 0057271778 |
| Book / Page | 5727 / 1778 |
| Instrument Date | Jan 13, 2026 |
| Instrument | 2026011025 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | BESPOKE TITLE AND SETTLEMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,448.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25 ENGLESIDE ST, CRESSKILL, NJ 07626-2247 |
| Name | Verified Name |
|---|---|
| Address | 18 RUTH LN, DEMAREST, NJ 07627-2116 |
| Document Number | 2026011026 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 2026011026 |
| Name | VALLEY NATIONAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Feb 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year T-Bill |
| Max Rate | 11.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 18, 2025 |
| Property Address | 18 RUTH LN, DEMAREST, NJ 07627-2116 |
| Document Number | 0056031709 |
| Book / Page | 5603 / 1709 |
| Instrument Date | Aug 30, 2025 |
| Instrument | 2025064457 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,986.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 200 OLD HOOK RD APT 22, 22, HARRINGTON PARK, NJ 07640-1705 |
| Name | Verified Name |
|---|---|
| Address | 18 RUTH LN, DEMAREST, NJ 07627-2116 |
Source: Bergen County and Demarest Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Demarest Borough |
| Elementary School District | Demarest Borough School District (KG - 08) |
| Secondary School District | Northern Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $974,700 (+11.84%) Land $592,000 Building $382,700 | $974,700 (+11.84%) Land $592,000 Building $382,700 | |
| 2025 | $15,731.00 (+9.53%) | $871,500 (+85.5%) Land $592,000 Building $279,500 | $871,500 (+85.5%) Land $592,000 Building $279,500 |
| 2024 | $14,362.00 (+4.77%) | $469,800 (-) Land $311,000 Building $158,800 | $469,800 (-) Land $311,000 Building $158,800 |
| 2023 | $13,708.00 (+2.78%) | $469,800 Land $311,000 Building $158,800 | $469,800 Land $311,000 Building $158,800 |
| 2022 | $13,337.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 3 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 308 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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