Bergen County and Bergenfield Borough property record for 28 E Central Ave, Bergenfield, NJ 07621
| Property Type | Single Family Home |
|---|---|
| Details | 1,836 sqft · built 1932 |
| Lot Size | 0.096 acres (4,199 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (May 2014) |
| Tax Bill | $11,001 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jan 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00028-0000-00016 |
| Primary APN | 03-00028-0000-00016 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,836 sqft Living Area |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Construction Type | Frame |
| Lot Area | 4,199 sqft (0.096 acres) |
| Lot Dimensions | 100 ft deep x 42 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 0300199B00011 |
|---|---|
| Street Address | 28 E CENTRAL AVE |
| City | BERGENFIELD |
| State | NJ |
| Zip | 07621-1318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | 42X100 |
| Legal Subdivision | JH WEHE |
| Legal Block | 28 |
| Legal Lot Number | 16 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | BERGENFIELD |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 3200 |
28 E Central Ave is owned and occupied by two individuals who bought it in May 2014.
Source: Bergen County and Bergenfield Borough records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 E CENTRAL AVE, BERGENFIELD, NJ 07621-1318 |
| 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.
| Date | Document |
|---|---|
| Jan 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 5, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jul 17, 2017 | Loan Modification, Mortgage · FHA Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2014 · Amount on File |
| Deed Sale | May 19, 2014 · Amount on File |
| Prior Sale | Jul 5, 1995 · Amount on File |
| Deed Document Number | 20143893 |
| Deed Book / Page | 1672 / 558 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 E CENTRAL AVE, BERGENFIELD, NJ 07621-1318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 28 E CENTRAL AVE, BERGENFIELD, NJ 07621-1318 |
| Document Number | 0051550363 |
|---|---|
| Date | Jan 9, 2024 |
| Book Page | 5155/363 |
| Instrument | 2024001487 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Dec 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 E CENTRAL AVE, BERGENFIELD, NJ 07621-1318 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 28 E CENTRAL AVE, BERGENFIELD, NJ 07621-1318 |
| Document Number | 0048961955 |
|---|---|
| Date | Jan 5, 2023 |
| Book Page | 4896/1955 |
| Instrument | 2023001263 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 E CENTRAL AVE, BERGENFIELD, NJ 07621-1318 |
| Document Number | 0027141424 |
| Book / Page | 002714 / 001424 |
| Instrument Date | Jul 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 28 E CENTRAL AVE BERGENFIELD NJ 076211318, BERGENFIELD, NJ 07621-1318 |
| Document Number | 0027141424 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 002714/001424 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 E CENTRAL AVE, BERGENFIELD, NJ 07621-1318 |
| Document Number | 0027260134 |
| Book / Page | 002726 / 000134 |
| Instrument Date | Jul 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2017 |
| Name | Verified Name |
|---|---|
| Address | 28 E CENTRAL AVE BERGENFIELD NJ 076211318, BERGENFIELD, NJ 07621-1318 |
| Document Number | 0027260134 |
|---|---|
| Date | Sep 19, 2017 |
| Book Page | 002726/000134 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 18, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
The 2025 property tax bill for 28 E Central Ave was $11,001, up 6% from the year before.
Source: Bergen County and Bergenfield Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Bergenfield Borough |
| Unified School District | Bergenfield Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $294,300 (-) Land $151,000 Building $143,300 | $294,300 (-) Land $151,000 Building $143,300 | |
| 2025 | $11,001.00 (+5.98%) | $294,300 Land $151,000 Building $143,300 | $294,300 Land $151,000 Building $143,300 |
| 2024 | $10,380.00 | ||
| 2023 | $294,300 Land $151,000 Building $143,300 | $294,300 Land $151,000 Building $143,300 | |
| 2022 | $9,879.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 E Central Ave 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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 21 (1978–2021) |
| Claims Outside the SFHA | 14 of 21 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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.
The area around 28 E Central Ave 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.
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 731 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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