20 Caroline Ct, Closter, NJ 07624 Property Records

Bergen County and Closter Borough property record for 20 Caroline Ct, Closter, NJ 07624

Property Summary

Property Type	Single Family Home
Details	4,629 sqft · built 1998
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,715,000 (Jul 2022)
Tax Bill	$31,559 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-02008-0000-00004-02`

Property Details

APN / Parcel Number

Primary APN	`07-02008-0000-00004-02`
Alternative APN	`07020080000000040002`

Interior

Building Area	4,629 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Street Address	20 CAROLINE CT
City	CLOSTER
State	NJ
Zip	07624-2338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.35 AC
Legal Subdivision	ROSEMARY MCOY
Legal Block	2008
Legal Lot Number	4.02
Jurisdiction	BERGEN NJ
Township / Civil Division	CLOSTER
Census Block Group	1
Census Block	1007
Census Tract	7002

Owner

Source: Bergen County and Closter Borough records, as of October 13, 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	20 CAROLINE CT, CLOSTER, NJ 07624-2338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 29, 2022	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 26, 2018	Deed, Transfer · ARM WOORI AMERICA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	202275766
Deed Book / Page	4757 / 1867
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	20 CAROLINE CT, CLOSTER, NJ 07624-2338
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CAROLINE CT, CLOSTER, NJ 07624-2338

Mortgage

Document Number	0048970893
Date	Jan 6, 2023
Book Page	4897/893
Instrument	2023001407

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Dec 28, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 29, 2022
Property Address	20 CAROLINE CT, CLOSTER, NJ 07624-2338
Document Number	0047571867
Book / Page	4757 / 1867
Instrument Date	Jun 20, 2022
Instrument	2022075766
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,376.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4375 SERENITY LAKE DR, 4375, CUMMING, GA 30028-5635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CAROLINE CT, CLOSTER, NJ 07624-2338

Mortgage

Document Number	2022075768
Date	Jul 29, 2022
Instrument	2022075768

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 26, 2018
Property Address	20 CAROLINE CT, CLOSTER, NJ 07624-2338
Document Number	0030930305
Book / Page	3093 / 305
Instrument Date	Oct 24, 2018
Instrument	00018-076691
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 COLLINS AVE, CLOSTER, NJ 07624-2817

Mortgage

Document Number	0030930312
Date	Oct 26, 2018
Book Page	3093/312
Instrument	2018-076691_01

Lender

Name	WOORI AMERICA BANK

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.6%
Type Change Date	Nov 1, 2023
Index	Other
Margin	4

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Closter Borough
Elementary School District	Closter Borough School District (KG - 08)
Secondary School District	Northern Valley Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,683,200 (+10.51%) Land $648,400 Building $1,034,800	$1,683,200 (+10.51%) Land $648,400 Building $1,034,800
2025	$31,559.00 (+3.18%)	$1,523,100 (+8.19%) Land $613,400 Building $909,700	$1,523,100 (+8.19%) Land $613,400 Building $909,700
2024	$30,586.00 (+10.97%)
2023		$1,407,800 Land $573,100 Building $834,700	$1,407,800 Land $573,100 Building $834,700
2022	$27,563.00

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	2 in force
Nearby Flood Claims	1 (1990)
Most Recent Claim	May 1990 · alluvial fan flooding

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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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