Bergen County and Dumont Borough property record for 185 Prospect Ave, Dumont, NJ 07628
| Property Type | Single Family Home |
|---|---|
| Details | 1,560 sqft · built 1925 |
| Lot Size | 0.108 acres (4,722 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Nov 2019) |
| Tax Bill | $11,857 (2025) |
| Deeds & Mortgages | Feb 2022 Second Mortgage Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00806-0000-00001 |
| Primary APN | 10-00806-0000-00001 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,560 sqft Living Area |
|---|
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Lot Area | 4,722 sqft (0.108 acres) |
| Lot Dimensions | 118 ft deep x 40 ft wide |
| Account Number | 086000 |
|---|---|
| Street Address | 185 PROSPECT AVE |
| City | DUMONT |
| State | NJ |
| Zip | 07628-2732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 40X118 |
| Legal Block | 806 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | DUMONT |
| Census Block Group | 5 |
| Census Block | 5014 |
| Census Tract | 10300 |
185 Prospect Ave is owned and occupied by two individuals who bought it in November 2019.
Source: Bergen County and Dumont Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 PROSPECT AVE, DUMONT, NJ 07628-2732 |
| 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 |
|---|---|
| Feb 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST GUARANTY MORTGAGE CORP |
| Jan 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP |
| May 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC |
| Oct 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY CMNTY CAP |
| Nov 4, 2019 | Deed, Transfer · FHA Mortgage FIRST HERITAGE FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2019 · Amount on File |
| Deed Sale | Nov 4, 2019 · Amount on File |
| Prior Sale | Dec 6, 2016 · Amount on File |
| Deed Document Number | 201974784 |
| Deed Book / Page | 3397 / 466 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 185 PROSPECT AVE, DUMONT, NJ 07628-2732 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Title Company | SOLIDIFI |
| Name | Verified Name |
|---|
| Document Number | 0045800359 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 4580/359 |
| Instrument | 2022019195 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 185 PROSPECT AVE, DUMONT, NJ 07628-2732 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2022 |
| Title Company | SOURCEPOINT |
| Name | Verified Name |
|---|
| Document Number | 0045400351 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 4540/351 |
| Instrument | 2022007126 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 185 PROSPECT AVE, DUMONT, NJ 07628-2732 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 185 PROSPECT AVE, DUMONT, NJ 07628-2732 |
| Document Number | 0041740531 |
|---|---|
| Date | May 28, 2021 |
| Book Page | 4174/531 |
| Instrument | 2021085411 |
| Name | RUSHMORE LOAN MANAGEMENT SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 342 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 185 PROSPECT AVE, DUMONT, NJ 07628-2732 |
| Document Number | 0034260532 |
| Instrument Date | Oct 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 185 PROSPECT AVE DUMONT NJ 076282732, DUMONT, NJ 07628-2732 |
| Document Number | 0034260532 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 003426/000532 |
| Instrument | 83536 |
| Name | NEW JERSEY CMNTY CAP |
|---|---|
| Address | NEW BRUNSWICK, NJ 08901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 4, 2019 |
| Property Address | 185 PROSPECT AVE, DUMONT, NJ 07628-2732 |
| Document Number | 0033970466 |
| Book / Page | 3397 / 466 |
| Instrument Date | Sep 18, 2019 |
| Instrument | 19-074784 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | STEWART TITLE GUARANTY COMPA |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 185 PROSPECT AVE, DUMONT, NJ 07628-2732 |
| Document Number | 1907478401 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 19-074784.01 |
| Name | FIRST HERITAGE FEDERAL CREDIT UNION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 0033970472 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 3397/472 |
| Instrument | 2019-074784.01 |
| Name | GREATER ALLIANCE FCU |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Dec 1, 2048 |
The 2025 property tax bill for 185 Prospect Ave was $11,857, up 29.6% from the year before.
Source: Bergen County and Dumont Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Dumont Borough |
| Unified School District | Dumont Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $543,600 (+7.28%) Land $301,800 Building $241,800 | $543,600 (+7.28%) Land $301,800 Building $241,800 | |
| 2025 | $11,857.00 (+29.64%) | $506,700 Land $277,000 Building $229,700 | $506,700 Land $277,000 Building $229,700 |
| 2024 | $9,146.00 | ||
| 2023 | $225,000 Land $147,500 Building $77,500 | $225,000 Land $147,500 Building $77,500 | |
| 2022 | $8,736.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Prospect Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 Claims | 2 (1981–1983) |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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 185 Prospect Ave is low, with less than 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 99.1% of the US · lower than 97.3% 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.
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 828 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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