21 Charles Ter, Waldwick, NJ 07463 Property Records

Bergen County and Waldwick Borough property record for 21 Charles Ter, Waldwick, NJ 07463

Property Summary

Property Type	Single Family Home
Details	1,187 sqft · built 1950
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on File
Last Sale	$583,000 (Jun 2026)
Tax Bill	$9,338 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64-00018-03-00011`

Property Details

APN / Parcel Number

Primary APN	`64-00018-03-00011`
Alternative APNs	`6400018000300011` `000678`

Interior

Stories	1 Story
Building Area	1,187 sqft Living Area
1st Floor Area	1,187 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Frame
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	000678
Street Address	21 CHARLES TER
City	WALDWICK
State	NJ
Zip	07463-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50X100 2LT
Legal Block	18.03
Legal Lot Number	11
Jurisdiction	BERGEN NJ
Township / Civil Division	WALDWICK
Census Block Group	3
Census Block	3019
Census Tract	56100

Owner

21 Charles Ter is owned and occupied by an individual who bought it in June 2026.

Source: Bergen County and Waldwick Borough records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	21 CHARLES TER, WALDWICK, NJ 07463-2002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Deed Document Number	202638353
Deed Book / Page	5816 / 914
Record Updated	Oct 29, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 10, 2026
Property Address	21 CHARLES TER, WALDWICK, NJ 07463-2002
Document Number	0000038353
Book / Page	5816 / 914
Instrument Date	May 22, 2026
Instrument	202638353
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	CATAL TITLE, CATIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,883.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CHARLES TER, WALDWICK, NJ 07463-2002

Mortgage

Document Number	0000038354,
Date	Jun 10, 2026
Instrument	202638354

Lender

Name	VISIONS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 21 Charles Ter was $9,338, up 3.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$406,900 (-) Land $270,000 Building $136,900	$406,900 (-) Land $270,000 Building $136,900
2025	$9,338.00 (+3.65%)	$406,900 Land $270,000 Building $136,900	$406,900 Land $270,000 Building $136,900
2024	$9,009.00
2023		$329,100 Land $220,000 Building $109,100	$329,100 Land $220,000 Building $109,100
2022	$9,372.00

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

Flood

FEMA maps place 21 Charles Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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
Nearby Flood Claims	2 (2007–2021)
Claims Outside the SFHA	2 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

Wildfire risk around 21 Charles Ter 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	None beyond 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	WALDWICK WATER DEPT serves 10,208 people · EPA ID NJ0264001
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 810 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20