196 Division Ave, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 196 Division Ave, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	3,492 sqft · built 1927
Lot Size	0.122 acres (5,301 sqft)
Owner	Individual Name on Record
Last Sale	$859,000 (Jul 2022)
Tax Bill	$14,062 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-00189-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`21-00189-0000-00023`
Alternative APNs	`210018900023` `005082`

Interior

Units	4 Units
Stories	2 Stories
Building Area	3,492 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Construction Type	Frame
Lot Area	5,301 sqft (0.122 acres)
Lot Dimensions	106 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	005082
Street Address	196 DIVISION AVE
City	GARFIELD
State	NJ
Zip	07026-3662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	5300 SF 24
Legal Subdivision	ACKERMAN REALTY CO
Legal Block	189
Legal Lot Number	23
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	6
Census Block	6003
Census Tract	21200

Owner

Source: Bergen County and Garfield City 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	196 DIVISION AVE, GARFIELD, NJ 07026-3662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Deed Document Number	202271356
Deed Book / Page	4744 / 479
Record Updated	Oct 29, 2026

July 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 19, 2022
Property Address	196 DIVISION AVE, GARFIELD, NJ 07026-3662
Document Number	0047440479
Book / Page	4744 / 479
Instrument Date	Jun 3, 2022
Instrument	2022071356
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,939.40
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	83 PHILLIPS RD, 83, BRANCHVILLE, NJ 07826-4123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 DIVISION AVE, GARFIELD, NJ 07026-3662

Mortgage

Document Number	2022071357
Date	Jul 19, 2022
Instrument	2022071357

Lender

Name	PROVIDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 6, 2052

Tax Assessment & Valuation

Source: Bergen County and Garfield City assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$404,200 (-) Land $126,500 Building $277,700	$404,200 (-) Land $126,500 Building $277,700
2025	$14,062.00 (+4.26%)	$404,200 (-) Land $126,500 Building $277,700	$404,200 (-) Land $126,500 Building $277,700
2024	$13,488.00 (+6.99%)
2023		$404,200 Land $126,500 Building $277,700	$404,200 Land $126,500 Building $277,700
2022	$12,607.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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