Bergen County and Demarest Borough property record for 3 Lois Ave, Demarest, NJ 07627
| Property Type | Single Family Home |
|---|---|
| Details | 1,435 sqft · built 1941 |
| Lot Size | 0.152 acres (6,621 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,650,000 (Sep 2025) |
| Tax Bill | $12,657 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00157-0000-00005 |
| Primary APN | 09-00157-0000-00005 |
|---|---|
| Alternative APN |
|
| Building Area | 1,435 sqft Living Area |
|---|
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Lot Area | 6,621 sqft (0.152 acres) |
| Lot Dimensions | 110 ft deep x 60 ft wide |
| Street Address | 3 LOIS AVE |
|---|---|
| City | DEMAREST |
| State | NJ |
| Zip | 07627-2219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | D |
| Legal Description | 0.152AC |
| Legal Block | 157 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | DEMAREST |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 9100 |
Source: Bergen County and Demarest 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 Individual Names on Record |
|---|---|
| Mailing Address | 3 LOIS AVE, DEMAREST, NJ 07627-2219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK |
| Sep 5, 2025 | Deed, Transfer · Conventional Mortgage LUMINATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2025 · Amount on Record |
| Deed Sale | Sep 5, 2025 · Amount on Record |
| Prior Sale | Mar 25, 2025 · Amount on Record |
| Deed Document Number | 202561255 |
| Deed Book / Page | 5593 / 1226 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 3 LOIS AVE, DEMAREST, NJ 07627-2219 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 3 LOIS AVE, DEMAREST, NJ 07627-2219 |
| Document Number | 0057380795 |
|---|---|
| Date | Mar 5, 2026 |
| Book Page | 5738/795 |
| Instrument | 2026014459 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.1% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 5, 2025 |
| Property Address | 3 LOIS AVE, DEMAREST, NJ 07627-2219 |
| Document Number | 0055931226 |
| Book / Page | 5593 / 1226 |
| Instrument Date | Aug 22, 2025 |
| Instrument | 2025061255 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | LAND QUEST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33,940.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 DUANE LN, DEMAREST, NJ 07627-1305 |
| Name | Verified Name |
|---|---|
| Address | 3 LOIS AVE, DEMAREST, NJ 07627-2219 |
| Document Number | 2025061256 |
|---|---|
| Date | Sep 5, 2025 |
| Instrument | 2025061256 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
Source: Bergen County and Demarest Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Demarest Borough |
| Elementary School District | Demarest Borough School District (KG - 08) |
| Secondary School District | Northern Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $701,200 (-) Land $527,200 Building $174,000 | $701,200 (-) Land $527,200 Building $174,000 | |
| 2025 | $12,657.00 (-6.39%) | $701,200 (+58.53%) Land $527,200 Building $174,000 | $701,200 (+58.53%) Land $527,200 Building $174,000 |
| 2024 | $13,521.00 (+4.77%) | $442,300 (-) Land $333,400 Building $108,900 | $442,300 (-) Land $333,400 Building $108,900 |
| 2023 | $12,906.00 (+2.79%) | $442,300 Land $333,400 Building $108,900 | $442,300 Land $333,400 Building $108,900 |
| 2022 | $12,556.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 9 in force |
| Nearby Flood Claims | 18 (1980–2021) |
| Claims Outside the SFHA | 5 of 18 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% 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 | 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 290 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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