Bergen County and Oradell Borough property record for 198 Spring Valley Rd, Oradell, NJ 07649
| Property Type | Single Family Home |
|---|---|
| Details | 1,659 sqft · built 1957 |
| Lot Size | 0.39 acres (16,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,000 (Feb 2017) |
| Tax Bill | $16,056 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-00308-0000-00004 |
| Primary APN | 44-00308-0000-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,659 sqft Living Area |
| 1st Floor Area | 1,659 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 16,975 sqft (0.39 acres) |
| Lot Dimensions | 175 ft deep x 97 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 149700 |
|---|---|
| Street Address | 198 SPRING VALLEY RD |
| City | ORADELL |
| State | NJ |
| Zip | 07649-2431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | 97X175 |
| Legal Subdivision | SCHAEFER VILLAGE INC |
| Legal Block | 308 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ORADELL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 40002 |
198 Spring Valley Rd is owned by two individuals who bought it in February 2017.
Source: Bergen County and Oradell 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 198 SPRING RD, ORADELL, NJ 07649 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional with PMI REALFI HM FNDG CORP |
| Jul 17, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2017 · Amount on File |
| Deed Sale | Feb 21, 2017 · Amount on File |
| Prior Sale | Jul 10, 2007 · Amount on File |
| Deed Document Number | 201715941 |
| Deed Book / Page | 2540 / 1213 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 198 SPRING VALLEY RD, ORADELL, NJ 07649-2431 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WESTCOR LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0025400218 |
|---|---|
| Date | Feb 21, 2017 |
| Book Page | 02540/0218 |
| Instrument | 17-015941.01 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 198 SPRING VALLEY RD, ORADELL, NJ 07649-2431 |
| Document Number | 0038291334 |
| Instrument Date | Sep 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2020 |
| Title Company | JERSEY COAST TITLE AGENCY, JERSEY COAST TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 198 SPRING VALLEY RD ORADELL NJ 076492431, ORADELL, NJ 07649-2431 |
| Document Number | 0038291334 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 003829/001334 |
| Instrument | 122518 |
| Name | REALFI HM FNDG CORP |
|---|---|
| Address | WHITE PLAINS, NY 10604 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 198 SPRING VALLEY RD, ORADELL, NJ 07649-2431 |
| Document Number | 0026961804 |
| Book / Page | 002696 / 001804 |
| Instrument Date | Jul 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 198 SPRING VALLEY RD ORADELL NJ 076492431, ORADELL, NJ 07649-2431 |
| Document Number | 0026961804 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 002696/001804 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 15, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 198 Spring Valley Rd was $16,056, up 5.4% from the year before.
Source: Bergen County and Oradell Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Oradell Borough |
| Elementary School District | Oradell Borough School District (KG - 06) |
| Secondary School District | River Dell Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $732,900 (+4.76%) Land $393,100 Building $339,800 | $732,900 (+4.76%) Land $393,100 Building $339,800 | |
| 2025 | $16,056.00 (+5.41%) | $699,600 Land $370,200 Building $329,400 | $699,600 Land $370,200 Building $329,400 |
| 2024 | $15,232.00 | ||
| 2023 | $557,000 Land $267,100 Building $289,900 | $557,000 Land $267,100 Building $289,900 | |
| 2022 | $14,241.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 198 Spring Valley Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 | 2 (1979–2021) |
| Claims Outside the SFHA | 1 of 2 |
| 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 risk around 198 Spring Valley Rd is low, with less than a 0.01% annual chance of 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 477 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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