198 Elm St, Cresskill, NJ 07626 Property Records

Bergen County and Cresskill Borough property record for 198 Elm St, Cresskill, NJ 07626

Property Summary

Property Type	Single Family Home
Details	1,312 sqft · built 1939
Lot Size	0.206 acres (8,960 sqft)
Owner	2 Individual Names on Record
Tax Bill	$12,116 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-00126-0000-00205`

Property Details

APN / Parcel Number

Primary APN	`08-00126-0000-00205`
Alternative APNs	`080012600205` `174100`

Interior

Stories	1 Story
Building Area	1,312 sqft Living Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Brick
Construction Type	Brick
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	140 ft deep x 64 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	174100
Street Address	198 ELM ST
City	CRESSKILL
State	NJ
Zip	07626-1836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	64X140 3.1L L206-207
Legal Subdivision	MERRITT PARK
Legal Block	126
Legal Lot Number	205
Jurisdiction	BERGEN NJ
Township / Civil Division	CRESSKILL
Census Block Group	2
Census Block	2011
Census Tract	8002

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	198 ELM ST, CRESSKILL, NJ 07626-1836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage VISIONS FEDERAL CREDIT UNION
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 18, 2017	Grant Deed, Transfer · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 5, 2014
Transfer Doc	0016610619
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Apr 21, 2026
Property Address	198 ELM ST, CRESSKILL, NJ 07626-1836
Document Number	0000026531
Book / Page	5777 / 1424
Instrument Date	Mar 27, 2026
Instrument	202626531
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CSC DOCUMENT RECORDING

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 ELM ST, CRESSKILL, NJ 07626-1836

Mortgage

Document Number	0000026531,
Date	Apr 21, 2026
Book Page	5777/1424
Instrument	202626531

Lender

Name	VISIONS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	6.25%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	198 ELM ST, CRESSKILL, NJ 07626-1836
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041141428
Date	Apr 29, 2021
Book Page	4114/1428
Instrument	2021067591

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 18, 2017
Property Address	198 ELM ST, CRESSKILL, NJ 07626-1836
Document Number	0027570827
Book / Page	002757 / 000827
Instrument Date	Sep 12, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$432.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 ELM ST CRESSKILL NJ 076261836, CRESSKILL, NJ 07626-1836

Mortgage

Document Number	27570837
Date	Oct 18, 2017
Book Page	002757/000837

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2047

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		$649,400 (+21.61%) Land $468,600 Building $180,800	$649,400 (+21.61%) Land $468,600 Building $180,800
2025	$12,116.00 (+8%)	$534,000 (+14.52%) Land $391,800 Building $142,200	$534,000 (+14.52%) Land $391,800 Building $142,200
2024	$11,219.00 (+6.81%)
2023		$466,300 Land $333,600 Building $132,700	$466,300 Land $333,600 Building $132,700
2022	$10,504.00

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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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