Bergen County and Garfield City property record for 193 Ray St, Garfield, NJ 07026
| Property Type | Single Family Home |
|---|---|
| Details | 2,622 sqft · built 1980 |
| Lot Size | 0.074 acres (3,228 sqft) |
| Owner | Company Name on File |
| Last Sale | $370,000 (Oct 2010) |
| Tax Bill | $12,684 (2025) |
| Deeds & Mortgages | Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00193-0000-00057 |
| Primary APN | 21-00193-0000-00057 |
|---|---|
| Alternative APNs |
|
| Units | 4 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,622 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Frame |
| Lot Area | 3,228 sqft (0.074 acres) |
| Lot Dimensions | 100 ft deep x 32 ft wide |
| Account Number | 005223 |
|---|---|
| Street Address | 193 RAY ST |
| City | GARFIELD |
| State | NJ |
| Zip | 07026-3663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 3226 SF |
| Legal Block | 193 |
| Legal Lot Number | 57 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | GARFIELD |
| Census Block Group | 6 |
| Census Block | 6001 |
| Census Tract | 21200 |
193 Ray St is owned by a company that bought it in October 2010.
Source: Bergen County and Garfield City records, as of June 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 463, GARFIELD, NJ 07026-0463 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2010 · Amount on File |
| Deed Sale | Oct 21, 2010 · Amount on File |
| Prior Sale | Oct 5, 2000 |
| Deed Document Number | 20105581890 |
| Deed Book / Page | 558 / 1890 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 16, 2018 |
| Property Address | 193 RAY ST, GARFIELD, NJ 07026-3663 |
| Document Number | 0029970755 |
| Book / Page | 002997 / 000755 |
| Instrument Date | Jul 5, 2018 |
| Instrument | 50095 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2018 |
| Title Company | TWO RIVERS TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 193 RAY ST #L GARFIELD NJ 070263663, L, GARFIELD, NJ 07026-3663 |
| Document Number | 29970755 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 002997/000755 |
| Instrument | 50095 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | 1 M AND T PLZ, BUFFALO, NY 14203-2309 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 193 Ray St was $12,684, up 4.2% 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 | $364,600 (-) Land $98,400 Building $266,200 | $364,600 (-) Land $98,400 Building $266,200 | |
| 2025 | $12,684.00 (+4.25%) | $364,600 Land $98,400 Building $266,200 | $364,600 Land $98,400 Building $266,200 |
| 2024 | $12,167.00 | ||
| 2023 | $364,600 Land $98,400 Building $266,200 | $364,600 Land $98,400 Building $266,200 | |
| 2022 | $11,371.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 193 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 193 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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