Essex County and Fairfield Township property record for 20 Ralph Dr, Fairfield, NJ 07004
| Property Type | Single Family Home |
|---|---|
| Details | 3,872 sqft · built 2002 |
| Lot Size | 0.475 acres (20,695 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $890,000 (Dec 2018) |
| Tax Bill | $18,779 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Dec 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05101-0000-00018-09 |
| Primary APN | 07-05101-0000-00018-09 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,872 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Construction Type | Wood |
| Lot Area | 20,695 sqft (0.475 acres) |
| Lot Dimensions | 199 ft deep x 104 ft wide |
| Account Number | 3571 |
|---|---|
| Street Address | 20 RALPH DR |
| City | FAIRFIELD |
| State | NJ |
| Zip | 07004-1235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 104 X 199 |
| Legal Subdivision | FAIRFIELD ACRES |
| Legal Block | 5101 |
| Legal Lot Number | 18.9 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | FAIRFIELD |
| Census Block Group | 6 |
| Census Block | 6014 |
| Census Tract | 21601 |
20 Ralph Dr is owned and occupied by two individuals who bought it in December 2018.
Source: Essex County and Fairfield Township records, as of July 2, 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 | 20 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Dec 12, 2022 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Aug 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| Jun 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| Dec 21, 2018 | Grant Deed, Transfer · Conventional Mortgage FIRST HM BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on File |
| Deed Sale | Dec 21, 2018 · Amount on File |
| Prior Sale | Dec 3, 2002 · Amount on File |
| Deed Document Number | 2018110205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Apr 16, 2026 |
| Property Address | 20 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000025288 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202625288 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 20 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000025288, |
|---|---|
| Date | Apr 16, 2026 |
| Instrument | 202625288 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 20 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | STATES TITLE |
| Name | Verified Name |
|---|---|
| Address | 20 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000106347 |
|---|---|
| Date | Dec 12, 2022 |
| Instrument | 2022106347 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85281 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 20 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000086023 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 RALPH DR FAIRFIELD NJ 070041235, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000086023 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 86023 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 3, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 20 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000061195 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 RALPH DR FAIRFIELD NJ 070041235, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000061195 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | 61195 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 4, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Dec 21, 2018 |
| Property Address | 20 RALPH DR, FAIRFIELD, NJ 07004-1235 |
| Document Number | 0000110205 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 110205 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $890.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 RALPH DR FAIRFIELD NJ 070041235, FAIRFIELD, NJ 07004-1235 |
| Document Number | 110206 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 110206 |
| Name | FIRST HM BK |
|---|---|
| Type | Bank |
| Address | SEMINOLE, FL 33772 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2048 |
The 2025 property tax bill for 20 Ralph Dr was $18,779, down 2.6% from the year before.
Source: Essex County and Fairfield Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Fairfield Township |
| Elementary School District | Fairfield Township School District (KG - 06) |
| Secondary School District | West Essex Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $902,400 (-) Land $357,300 Building $545,100 | $902,400 (-) Land $357,300 Building $545,100 | |
| 2025 | $18,779.00 (-2.57%) | $902,400 Land $357,300 Building $545,100 | $902,400 Land $357,300 Building $545,100 |
| 2024 | $19,275.00 | ||
| 2023 | $902,400 Land $357,300 Building $545,100 | $902,400 Land $357,300 Building $545,100 | |
| 2022 | $18,075.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Ralph Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 241 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 241 in force |
| Nearby Flood Claims | 566 (1978–2023) |
| Claims Outside the SFHA | 7 of 566 |
| Most Recent Claim | Dec 2023 · other causes |
| Claims by Event |
|
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 20 Ralph Dr is low, with 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FAIRFIELD WATER DEPT serves 7,400 people · EPA ID NJ0707001 |
|---|---|
| Water Source | Purchased surface water from PASSAIC VALLEY WATER COMMISSION |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures