197 Belford Ave, Rutherford, NJ 07070 Property Records

Bergen County and Rutherford Borough property record for 197 Belford Ave, Rutherford, NJ 07070

Property Summary

Property Type	Single Family Home
Details	1,885 sqft · built 1920
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jun 1996)
Tax Bill	$15,766 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`56-00082-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`56-00082-0000-00004`
Alternative APN	`560008200004`

Interior

Stories	1 Story
Building Area	1,885 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached

Location & Zoning

Street Address	197 BELFORD AVE
City	RUTHERFORD
State	NJ
Zip	07070-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	50X150
Legal Subdivision	RUTHERFORD HEIGHTS ASSOCIATION
Legal Block	82
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	RUTHERFORD
Census Block Group	3
Census Block	3013
Census Tract	51100

Owner

197 Belford Ave is owned and occupied by two individuals who acquired it in June 2019.

Source: Bergen County and Rutherford Borough records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	197 BELFORD AVE, RUTHERFORD, NJ 07070-1627
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 5, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 21, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 1996 · Amount on File
Deed Sale	Jun 7, 1996 · Amount on File
Deed Book / Page	7883 / 356
Last Transfer Date	Jun 18, 2019
Transfer Doc	0032871191
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	197 BELFORD AVE, RUTHERFORD, NJ 07070-1627
Transaction Type	Mortgage
Record Updated	Feb 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045071071
Date	Dec 23, 2021
Book Page	4507/1071
Instrument	2021185889

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 5, 2019
Property Address	197 BELFORD AVE, RUTHERFORD, NJ 07070-1627
Document Number	0032871191
Book / Page	003287 / 001191
Instrument Date	Jun 18, 2019
Instrument	43431
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	197 BELFORD AVE RUTHERFORD NJ 070701627, RUTHERFORD, NJ 07070-1627

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	197 BELFORD AVE, RUTHERFORD, NJ 07070-1627
Document Number	0030200632
Instrument Date	Jul 21, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 BELFORD AVE RUTHERFORD NJ 070701627, RUTHERFORD, NJ 07070-1627

Mortgage

Document Number	0030200632
Date	Aug 7, 2018
Book Page	003020/000632
Instrument	56509

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 197 Belford Ave was $15,766, up 2.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$492,700 (-) Land $292,500 Building $200,200	$492,700 (-) Land $292,500 Building $200,200
2025	$15,766.00 (+2.53%)	$492,700 Land $292,500 Building $200,200	$492,700 Land $292,500 Building $200,200
2024	$15,377.00
2023		$492,700 Land $292,500 Building $200,200	$492,700 Land $292,500 Building $200,200
2022	$14,628.00

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

Flood

FEMA maps place 197 Belford Ave in Zone X, an area of minimal flood risk.

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	1 in force

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

The area around 197 Belford Ave 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.

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 700 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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