Bergen County and Hackensack City property record for 188 Clay St, Hackensack, NJ 07601
| Property Type | Single Family Home |
|---|---|
| Details | 1,020 sqft · built 1926 |
| Lot Size | 0.078 acres (3,402 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Jan 2020) |
| Tax Bill | $8,674 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-00328-0000-00011 |
| Primary APN | 23-00328-0000-00011 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,020 sqft Living Area |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Construction Type | Frame |
| Lot Area | 3,402 sqft (0.078 acres) |
| Lot Dimensions | 148 ft deep x 23 ft wide |
| Account Number | 4944 |
|---|---|
| Street Address | 188 CLAY ST |
| City | HACKENSACK |
| State | NJ |
| Zip | 07601-3402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 23X148 1.4LT |
| Legal Block | 328 |
| Legal Lot Number | 11 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | HACKENSACK |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 23501 |
Source: Bergen County and Hackensack City records · APN 23-00328-0000-00011
Assessment roll updated June 29, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 188 CLAY ST, HACKENSACK, NJ 07601-3402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 08, 2025 | Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC |
| Jan 31, 2020 | Grant Deed, Transfer · FHA Mortgage NJ LENDERS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 31, 2020 · Amount on Record |
| Deed Sale | Jan 31, 2020 · Amount on Record |
| Prior Sale | Jul 17, 2003 · Amount on Record |
| Deed Document Number | 202011253 |
| Deed Book / Page | 3485 / 1460 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 188 CLAY ST, HACKENSACK, NJ 07601-3402 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0056170746 |
|---|---|
| Date | Oct 08, 2025 |
| Book Page | 5617/746 |
| Instrument | 2025068874 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 07, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 31, 2020 |
| Property Address | 188 CLAY ST, HACKENSACK, NJ 07601-3402 |
| Document Number | 0034851460 |
| Book / Page | 003485 / 001460 |
| Instrument Date | Oct 05, 2019 |
| Instrument | 20011253 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2020 |
| Title Company | AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 188 CLAY ST HACKENSACK NJ 076013402, HACKENSACK, NJ 07601-3402 |
| Document Number | 34851464 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 003485/001464 |
| Instrument | 20011254 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2050 |
Source: Bergen County and Hackensack City records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Hackensack City |
| Unified School District | Hackensack City School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $270,300 (-) Land $131,300 Building $139,000 | $270,300 (-) Land $131,300 Building $139,000 | |
| 2025 | $8,674.00 (+5.01%) | $270,300 (-) Land $131,300 Building $139,000 | $270,300 (-) Land $131,300 Building $139,000 |
| 2024 | $8,260.00 (+14.04%) | ||
| 2023 | $270,300 Land $131,300 Building $139,000 | $270,300 Land $131,300 Building $139,000 | |
| 2022 | $7,243.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 14 (1979–2021) |
| Claims Outside the SFHA | 12 of 14 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
May also be available: AT&T, T-Mobile USA.
Based on FCC filings for 342 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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