191 Phelps Ave, Cresskill, NJ 07626 Property Records

Bergen County and Cresskill Borough property record for 191 Phelps Ave, Cresskill, NJ 07626

Property Summary

Property Type	Single Family Home
Details	1,656 sqft · built 1952
Lot Size	0.22 acres (9,601 sqft)
Owner	Individual Name on Record
Last Sale	$215,750 (Aug 1999)
Tax Bill	$13,530 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-00130-0000-00058`

Property Details

APN / Parcel Number

Primary APN	`08-00130-0000-00058`
Alternative APNs	`080013000058` `180100`

Interior

Stories	1 Story
Building Area	1,656 sqft Living Area
1st Floor Area	1,656 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	9,601 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport

Location & Zoning

Account Number	180100
Street Address	191 PHELPS AVE
City	CRESSKILL
State	NJ
Zip	07626-2425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	80X120 L59-61
Legal Subdivision	TENAFLY LAND DEV CO MA
Legal Block	130
Legal Lot Number	58
Jurisdiction	BERGEN NJ
Township / Civil Division	CRESSKILL
Census Block Group	2
Census Block	2028
Census Tract	8002

Owner

Source: Bergen County and Cresskill Borough 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 Record
Mailing Address	191 PHELPS AVE, CRESSKILL, NJ 07626-2425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jan 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 10, 2018	Deed of Trust, Mortgage · Conventional with PMI CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 1999 · Amount on Record
Deed Sale	Aug 31, 1999 · Amount on Record
Deed Document Number	1999149194
Deed Book / Page	8203 / 276
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	191 PHELPS AVE, CRESSKILL, NJ 07626-2425
Transaction Type	Mortgage
Record Updated	Apr 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 PHELPS AVE, CRESSKILL, NJ 07626-2425

Mortgage

Document Number	0052041228
Date	Apr 2, 2024
Book Page	5204/1228
Instrument	2024017694

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	191 PHELPS AVE, CRESSKILL, NJ 07626-2425
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045391090
Date	Jan 18, 2022
Book Page	4539/1090
Instrument	2022006930

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	191 PHELPS AVE, CRESSKILL, NJ 07626-2425
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041051782
Date	Apr 26, 2021
Book Page	4105/1782
Instrument	21-064997

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	191 PHELPS AVE, CRESSKILL, NJ 07626-2425
Document Number	0030632074
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 5, 2018
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 PHELPS AVE CRESSKILL NJ 076262425, CRESSKILL, NJ 07626-2425

Mortgage

Document Number	0030632074
Date	Sep 26, 2018
Book Page	003063/002074
Instrument	68594

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2048

Tax Assessment & Valuation

Source: Bergen County and Cresskill Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Cresskill Borough
Unified School District	Cresskill Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$727,500 (+22%) Land $473,500 Building $254,000	$727,500 (+22%) Land $473,500 Building $254,000
2025	$13,530.00 (+7.49%)	$596,300 (+13.73%) Land $396,200 Building $200,100	$596,300 (+13.73%) Land $396,200 Building $200,100
2024	$12,587.00 (+6.17%)
2023		$524,300 Land $337,500 Building $186,800	$524,300 Land $337,500 Building $186,800
2022	$11,856.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Policies	4 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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 726 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

May also be available: T-Mobile.

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