Bergen County and Rutherford Borough property record for 28 Elm St, Rutherford, NJ 07070
| Property Type | Single Family Home |
|---|---|
| Details | 2,639 sqft · built 1977 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Apr 1999) |
| Tax Bill | $16,480 (2025) |
| Deeds & Mortgages | Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 56-00052-0000-00035 |
| Primary APN | 56-00052-0000-00035 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,639 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Attached |
| Street Address | 28 ELM ST |
|---|---|
| City | RUTHERFORD |
| State | NJ |
| Zip | 07070-1263 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 50X100 |
| Legal Subdivision | SHELTER RUTHERFORD PARK |
| Legal Block | 52 |
| Legal Lot Number | 35 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RUTHERFORD |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 51300 |
28 Elm St is owned and occupied by two individuals who acquired it in October 1999.
Source: Bergen County and Rutherford Borough records, as of June 29, 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 | 28 ELM ST, RUTHERFORD, NJ 07070-1263 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1999 · Amount on File |
| Deed Sale | Apr 1, 1999 · Amount on File |
| Deed Document Number | 199954285 |
| Deed Book / Page | 8156 / 754 |
| Last Transfer Date | Oct 22, 1999 |
| Transfer Doc | 0000178394 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 ELM ST, RUTHERFORD, NJ 07070-1263 |
| Document Number | 0025840849 |
| Book / Page | 002584 / 000849 |
| Instrument Date | Mar 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2017 |
| Title Company | ISGN |
| Name | Verified Name |
|---|---|
| Address | 28 ELM ST #1 RUTHERFORD NJ 070701263, 1, RUTHERFORD, NJ 07070-1263 |
| Document Number | 0025840849 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | 002584/000849 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 28 Elm St was $16,480, up 2.5% from the year before.
Source: Bergen County and Rutherford Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Rutherford Borough |
| Unified School District | Rutherford Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $515,000 (-) Land $230,000 Building $285,000 | $515,000 (-) Land $230,000 Building $285,000 | |
| 2025 | $16,480.00 (+2.53%) | $515,000 Land $230,000 Building $285,000 | $515,000 Land $230,000 Building $285,000 |
| 2024 | $16,073.00 | ||
| 2023 | $515,000 Land $230,000 Building $285,000 | $515,000 Land $230,000 Building $285,000 | |
| 2022 | $15,290.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Elm St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 28 Elm St 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 844 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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