3 Derby Ln, Waldwick, NJ 07463 Property Records

Bergen County and Waldwick Borough property record for 3 Derby Ln, Waldwick, NJ 07463

Property Summary

Property Type	Single Family Home
Details	2,484 sqft · built 1978
Lot Size	0.457 acres (19,919 sqft)
Owner	2 Company Names on Record
Last Sale	$305,000 (Jul 1988)
Tax Bill	$15,808 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`64-00162-09-00016`

Property Details

APN / Parcel Number

Primary APN	`64-00162-09-00016`
Alternative APNs	`6400162000900016` `6400162I00016`

Interior

Stories	1 Story
Building Area	2,484 sqft Living Area
1st Floor Area	2,484 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	19,919 sqft (0.457 acres)
Lot Width	109 ft Width
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	6400162I00016
Street Address	3 DERBY LN
City	WALDWICK
State	NJ
Zip	07463-1211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	109 X IRR
Legal Subdivision	WALDWICK
Legal Block	162.9
Legal Lot Number	16
Jurisdiction	BERGEN NJ
Township / Civil Division	WALDWICK
Census Block Group	3
Census Block	3013
Census Tract	56200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3 DERBY LN, WALDWICK, NJ 07463-1211
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 1988 · Amount on Record
Deed Sale	Jul 29, 1988 · Amount on Record
Deed Book / Page	7222 / 982
Last Transfer Date	Mar 11, 2025
Transfer Doc	0054561570
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	3 DERBY LN, WALDWICK, NJ 07463-1211
Document Number	0027290040
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 DERBY LN WALDWICK NJ 074631211, WALDWICK, NJ 07463-1211

Mortgage

Document Number	0027290040
Date	Sep 22, 2017
Book Page	002729/000040

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$688,800 (-) Land $379,700 Building $309,100	$688,800 (-) Land $379,700 Building $309,100
2025	$15,808.00 (+3.66%)	$688,800 (+22.78%) Land $379,700 Building $309,100	$688,800 (+22.78%) Land $379,700 Building $309,100
2024	$15,250.00 (-4.55%)
2023		$561,000 Land $332,400 Building $228,600	$561,000 Land $332,400 Building $228,600
2022	$15,977.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1999–2021)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Irene, Aug 2011 · 5 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20