27 Cottage Pl, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 27 Cottage Pl, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	2,085 sqft · built 1964
Lot Size	0.195 acres (8,499 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Nov 2012)
Tax Bill	$13,029 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-00203-03-00008`

Property Details

APN / Parcel Number

Primary APN	`21-00203-03-00008`
Alternative APNs	`2100203000300008` `006593`

Interior

Units	2 Units
Stories	2 Stories
Building Area	2,085 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Frame
Construction Type	Frame
Lot Area	8,499 sqft (0.195 acres)
Lot Dimensions	170 ft deep x 50 ft wide

Location & Zoning

Account Number	006593
Street Address	27 COTTAGE PL
City	GARFIELD
State	NJ
Zip	07026-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8500 SF
Legal Subdivision	RIVERVIEW ESTATES
Legal Block	203
Legal Lot Number	8
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	1
Census Block	1004
Census Tract	21200

Owner

27 Cottage Pl is owned and occupied by an individual who acquired it in January 2021.

Source: Bergen County and Garfield City records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	27 COTTAGE PL, GARFIELD, NJ 07026-3514
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit NOVA UA FCU
Jan 22, 2024	Deed of Trust, Mortgage · Line of Credit COLUMBIA BANK
May 20, 2021	Deed of Trust, Mortgage · Line of Credit COLUMBIA BANK
Oct 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LADERA LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2012 · Amount on File
Deed Sale	Nov 16, 2012 · Amount on File
Deed Document Number	2012106659
Deed Book / Page	1193 / 1673
Last Transfer Date	Jan 16, 2021
Transfer Doc	0044230437
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	27 COTTAGE PL, GARFIELD, NJ 07026-3514
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 COTTAGE PL 1, 1, GARFIELD, NJ 07026-3514

Mortgage

Document Number	0056181575
Date	Oct 9, 2025
Book Page	5618/1575
Instrument	2025069322

Lender

Name	NOVA UA FCU
Type	Credit Union
Address	CLIFTON, NJ 07012

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	27 COTTAGE PL, GARFIELD, NJ 07026-3514
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051631523
Date	Jan 22, 2024
Book Page	5163/1523
Instrument	2024004211

Lender

Name	COLUMBIA BANK
Type	Bank
Address	GARFIELD, NJ 07026

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	27 COTTAGE PL, GARFIELD, NJ 07026-3514
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041590522
Date	May 20, 2021
Book Page	4159/522
Instrument	2021080949

Lender

Name	COLUMBIA BANK
Type	Bank
Address	FAIR LAWN, NJ 07410

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Oct 21, 2021
Property Address	27 COTTAGE PL, GARFIELD, NJ 07026-3514
Document Number	0044230437
Book / Page	4423 / 437
Instrument Date	Jan 16, 2021
Instrument	2021159418
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	UNISOURCE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 COTTAGE PL, GARFIELD, NJ 07026-3514

Mortgage

Document Number	2021159419
Date	Oct 21, 2021
Instrument	2021159419

Lender

Name	LADERA LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	352 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 27 Cottage Pl was $13,029, up 4.3% from the year before.

Source: Bergen County and Garfield City assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$374,500 (-) Land $142,500 Building $232,000	$374,500 (-) Land $142,500 Building $232,000
2025	$13,029.00 (+4.26%)	$374,500 Land $142,500 Building $232,000	$374,500 Land $142,500 Building $232,000
2024	$12,497.00
2023		$374,500 Land $142,500 Building $232,000	$374,500 Land $142,500 Building $232,000
2022	$11,680.00

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

Flood

FEMA maps place 27 Cottage Pl 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 December 8, 2024 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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

The area around 27 Cottage Pl has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	GARFIELD WATER DEPARTMENT serves 30,487 people · EPA ID NJ0221001
Water Source	Purchased surface water from PASSAIC VALLEY WATER COMMISSION
Last State Inspection	Nov 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 457 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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