304 Madison Ave, Cresskill, NJ 07626 Property Records

Bergen County and Cresskill Borough property record for 304 Madison Ave, Cresskill, NJ 07626

Property Summary

Property Type	Single Family Home
Details	1,964 sqft · built 1934
Lot Size	0.413 acres (17,999 sqft)
Owner	2 Individual Names on File
Tax Bill	$15,438 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-00133-0000-00089`

Property Details

APN / Parcel Number

Primary APN	`08-00133-0000-00089`
Alternative APNs	`080013300089` `181200`

Interior

Stories	1 Story
Building Area	1,964 sqft Living Area

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Stucco
Lot Area	17,999 sqft (0.413 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	181200
Street Address	304 MADISON AVE
City	CRESSKILL
State	NJ
Zip	07626-1337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	120X150 L90-94
Legal Subdivision	A SERIES LAYOUT MERRITT PARK I
Legal Block	133
Legal Lot Number	89
Jurisdiction	BERGEN NJ
Township / Civil Division	CRESSKILL
Census Block Group	2
Census Block	2002
Census Tract	8002

Owner

304 Madison Ave is owned and occupied by two individuals who acquired it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	304 MADISON AVE, CRESSKILL, NJ 07626-1337
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 27, 2020	Grant Deed, Transfer QUEST TITLE AGENCY INC, QUEST TITLE AGCY INC
Nov 30, 2020	Intrafamily Transfer, Transfer · FHA Mortgage FINANCIAL FREEDOM MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2020
Deed Sale	Nov 30, 2020
Prior Sale	Oct 27, 1998 · Amount on File
Deed Document Number	2020125152
Deed Book / Page	3838 / 914
Prior Transfer Date	Jun 23, 2020
Prior Transfer Doc	0038380914
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	304 MADISON AVE, CRESSKILL, NJ 07626-1337
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 MADISON AVE, CRESSKILL, NJ 07626-1337

Mortgage

Document Number	0057291496
Date	Feb 24, 2026
Book Page	5729/1496
Instrument	2026011602

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year T-Bill
Max Rate	6.5%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 27, 2020
Property Address	304 MADISON AVE, CRESSKILL, NJ 07626-1337
Document Number	0037901827
Book / Page	003790 / 001827
Instrument Date	Aug 18, 2020
Instrument	110547
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	QUEST TITLE AGENCY INC, QUEST TITLE AGCY INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 MADISON AVE CRESSKILL NJ 076261337, CRESSKILL, NJ 07626-1337

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Nov 30, 2020
Property Address	304 MADISON AVE, CRESSKILL, NJ 07626-1337
Document Number	0038380914
Book / Page	3838 / 914
Instrument Date	Jun 23, 2020
Instrument	20-125152
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	EAGLE TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 MADISON AVE, CRESSKILL, NJ 07626-1337

Mortgage

Document Number	0020125153
Date	Nov 30, 2020
Instrument	20-125153

Lender

Name	FINANCIAL FREEDOM MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 304 Madison Ave was $15,438, up 8% from the year before.

Source: Bergen County and Cresskill Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Cresskill Borough
Unified School District	Cresskill Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$823,500 (+21.03%) Land $594,000 Building $229,500	$823,500 (+21.03%) Land $594,000 Building $229,500
2025	$15,438.00 (+8.02%)	$680,400 Land $500,000 Building $180,400	$680,400 Land $500,000 Building $180,400
2024	$14,292.00
2023		$598,900 Land $430,500 Building $168,400	$598,900 Land $430,500 Building $168,400
2022	$13,452.00

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

Flood

FEMA maps place 304 Madison Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	4 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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

The area around 304 Madison Ave 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 726 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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