Bergen County and Waldwick Borough property record for 28 E Prospect St, Waldwick, NJ 07463
| Property Type | Commercial |
|---|---|
| Lot Size | 0.14 acres (6,081 sqft) |
| Owner | Company Name on File |
| Tax Bill | $24,903 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6400018A00037J |
| Primary APN | 6400018A00037J |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|
| Exterior Material | Concrete Block |
|---|---|
| Construction Type | Concrete Block |
| Lot Area | 6,081 sqft (0.14 acres) |
| Lot Dimensions | 190 ft deep x 32 ft wide |
| Old Parcel Number | 6400018A00037J |
|---|---|
| Street Address | 28 E PROSPECT ST |
| City | WALDWICK |
| State | NJ |
| Zip | 07463-2016 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | 32X190 2.5LT |
| Legal Block | 18.01 |
| Legal Lot Number | 37.10 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | WALDWICK |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 56100 |
28 E Prospect St, a commercial property, is owned by a company.
Source: Bergen County and Waldwick Borough records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 190 SUMMIT AVE, WALDWICK, NJ 07463-2136 |
| Owner Type | Company |
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 |
|---|---|
| Aug 4, 2022 | Deed of Trust, Mortgage · Commercial Mortgage AMBOY BANK |
| Aug 4, 2022 | Deed of Trust, Mortgage · Commercial Mortgage AMBOY BANK |
| Nov 5, 2021 | Deed of Trust, Mortgage · Commercial Mortgage AMBOY BANK |
| Nov 5, 2021 | Deed of Trust, Mortgage · Commercial Mortgage AMBOY BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 E PROSPECT ST, WALDWICK, NJ 07463-2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Title Company | CENTERRE TITLE SERVICES LIMITED, CTS |
| Name | Verified Name |
|---|---|
| Address | 190 SUMMIT AVE, WALDWICK, NJ 07463-2136 |
| Document Number | 0047631654 |
|---|---|
| Date | Aug 4, 2022 |
| Book Page | 4763/1654 |
| Instrument | 2022077616 |
| Name | AMBOY BANK |
|---|---|
| Type | Bank |
| Address | OLD BRIDGE, NJ 08857 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 E PROSPECT ST, WALDWICK, NJ 07463-2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 190 SUMMIT AVE, WALDWICK, NJ 07463-2136 |
| Document Number | 0047631621 |
|---|---|
| Date | Aug 4, 2022 |
| Book Page | 4763/1621 |
| Instrument | 2022077614 |
| Name | AMBOY BANK |
|---|---|
| Type | Bank |
| Address | OLD BRIDGE, NJ 08857 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 E PROSPECT ST, WALDWICK, NJ 07463-2016 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 190 SUMMIT AVE, WALDWICK, NJ 07463-2136 |
| Document Number | 0044441346 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 4444/1346 |
| Instrument | 2021165845 |
| Name | AMBOY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 E PROSPECT ST, WALDWICK, NJ 07463-2016 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 190 SUMMIT AVE, WALDWICK, NJ 07463-2136 |
| Document Number | 0044441314 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 4444/1314 |
| Instrument | 2021165842 |
| Name | AMBOY BANK |
|---|---|
| Type | Bank |
| Address | OLD BRIDGE, NJ 08857 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 28 E Prospect St was $24,903, up 3.7% from the year before.
Source: Bergen County and Waldwick Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Waldwick Borough |
| Unified School District | Waldwick Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,085,100 (-) Land $256,300 Building $828,800 | $1,085,100 (-) Land $256,300 Building $828,800 | |
| 2025 | $24,903.00 (+3.66%) | $1,085,100 Land $256,300 Building $828,800 | $1,085,100 Land $256,300 Building $828,800 |
| 2024 | $24,024.00 | ||
| 2023 | $575,500 Land $204,500 Building $371,000 | $575,500 Land $204,500 Building $371,000 | |
| 2022 | $16,390.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 E Prospect St 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 risk around 28 E Prospect St 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.
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 |
| 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.
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 |
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