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3 Monroe St, Waldwick, NJ 07463 Property Records

Bergen County and Waldwick Borough property record for 3 Monroe St, Waldwick, NJ 07463 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details1,579 sqft · built 1951
Lot Size0.101 acres (4,387 sqft)
Owner2 Individual Names on File
Last Sale$700,000 (Jan 2026)
Tax Bill$10,982 (2025)
Deeds & MortgagesSep 2025 Mortgage
May 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN64-00120-01-00028

Property Details

APN / Parcel Number

Primary APN64-00120-01-00028
Alternative APNs
  • 6400120000100028
  • 6400120A00028

Interior

Stories2 Stories
Building Area1,579 sqft Living Area

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area4,387 sqft (0.101 acres)
Parking Spaces1 Parking Space

Location & Zoning

Old Parcel Number6400120A00028
Street Address3 MONROE ST
CityWALDWICK
StateNJ
Zip07463-1410
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description80XIRR 2LT
Legal Block120.1
Legal Lot Number28
JurisdictionBERGEN NJ
Township / Civil DivisionWALDWICK
Census Block Group3
Census Block3006
Census Tract56200

Owner

Source: Bergen County and Waldwick Borough records · APN 64-00120-01-00028

Assessment roll updated June 29, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address3 MONROE ST, WALDWICK, NJ 07463-1410
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 16, 2025Deed of Trust, Mortgage · Conventional Mortgage
LOWER LLC
May 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
VAST BANK NA
Jul 16, 2020Deed of Trust, Mortgage · Line of Credit
VAST BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 14, 2026 · Amount on Record
Deed SaleJan 14, 2026 · Amount on Record
Prior SaleSep 16, 2025 · Amount on Record
Deed Document Number20262924
Deed Book / Page5701 / 1702
Record UpdatedSep 20, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address3 MONROE ST, WALDWICK, NJ 07463-1410
Transaction TypeMortgage
Record UpdatedOct 08, 2025
Title CompanyFIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address297 PALISADE AVE 403, 403, BOGOTA, NJ 07603-1396

Mortgage

Document Number0056001852
DateSep 16, 2025
Book Page5600/1852
Instrument2025063545
Lender
NameLOWER LLC
TypeMortgage Company
AddressCOLUMBIA, MD 21044
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2055

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address3 MONROE ST, WALDWICK, NJ 07463-1410
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036081535
DateMay 28, 2020
Book Page3608/1535
Instrument20-052794
Lender
NameVAST BANK NA
TypeBank
AddressWAYNE, NJ 07470
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJun 01, 2035

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address3 MONROE ST, WALDWICK, NJ 07463-1410
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 MONROE ST, WALDWICK, NJ 07463-1410

Mortgage

Document Number0036431390
DateJul 16, 2020
Book Page3643/1390
Instrument20-065848
Lender
NameVAST BANK NA
TypeBank
AddressWAYNE, NJ 07470
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Bergen County and Waldwick Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityWaldwick Borough
Unified School DistrictWaldwick Borough School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$517,300 (+8.11%) Land $236,200 Building $281,100$517,300 (+8.11%) Land $236,200 Building $281,100
2025$10,982.00 (+3.66%)$478,500 (+32.88%) Land $236,200 Building $242,300$478,500 (+32.88%) Land $236,200 Building $242,300
2024$10,594.00 (+3.31%)
2023$360,100 Land $201,800 Building $158,300$360,100 Land $201,800 Building $158,300
2022$10,255.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030562003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
Nearby Flood Claims13 (1999–2021)
Claims Outside the SFHA4 of 13
Most Recent ClaimSep 2021, river or lake flooding, Remnants Of Hurricane Ida
Claims By Storm
  • Remnants Of Hurricane Ida, Sep 2021 · 2 claims
  • Hurricane Irene, Aug 2011 · 5 claims
  • Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

Wildfire

Wildfire RiskLow
above 3% of the US · above 8% of New Jersey
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 400 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Optimum CommunicationsFiber8,000 / 8,000
VerizonFiber2,300 / 2,300
Optimum CommunicationsCable940 / 35
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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