Bergen County and Waldwick Borough property record for 3 S Dow Ave, Waldwick, NJ 07463
| Property Type | Single Family Home |
|---|---|
| Details | 2,848 sqft · built 1989 |
| Lot Size | 0.364 acres (15,856 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Sep 2011) |
| Tax Bill | $22,094 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-00119-0000-00016-02 |
| Primary APN | 64-00119-0000-00016-02 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,848 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 15,856 sqft (0.364 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 3 S DOW AVE |
|---|---|
| City | WALDWICK |
| State | NJ |
| Zip | 07463-1743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .364 |
| Legal Block | 119 |
| Legal Lot Number | 16.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | WALDWICK |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 56200 |
3 S Dow Ave is owned and occupied by two individuals who bought it in September 2011.
Source: Bergen County and Waldwick Borough records, as of October 13, 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 | 3 S DOW AVE, WALDWICK, NJ 07463-1743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Oct 9, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2011 · Amount on File |
| Deed Sale | Sep 6, 2011 · Amount on File |
| Prior Sale | Dec 11, 2002 |
| Deed Document Number | 20118221507 |
| Deed Book / Page | 822 / 1507 |
| Prior Transfer Date | Jul 23, 2002 |
| Prior Transfer Doc | 8532000593 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 3 S DOW AVE, WALDWICK, NJ 07463-1743 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0040060168 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 4006/168 |
| Instrument | 2021033907 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 3 S DOW AVE, WALDWICK, NJ 07463-1743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033701595 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 3370/1595 |
| Instrument | 19-066984 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2034 |
The 2025 property tax bill for 3 S Dow Ave was $22,094, 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 | $962,700 (-) Land $368,300 Building $594,400 | $962,700 (-) Land $368,300 Building $594,400 | |
| 2025 | $22,094.00 (+3.66%) | $962,700 Land $368,300 Building $594,400 | $962,700 Land $368,300 Building $594,400 |
| 2024 | $21,314.00 | ||
| 2023 | $607,200 Land $329,700 Building $277,500 | $607,200 Land $329,700 Building $277,500 | |
| 2022 | $17,293.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 S Dow Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 3 S Dow Ave 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 400 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures