Bergen County and Waldwick Borough property record for 31 Gerard Dr, Waldwick, NJ 07463
| Property Type | Single Family Home |
|---|---|
| Details | 1,645 sqft · built 1950 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Sep 2017) |
| Tax Bill | $12,076 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-00162-08-00011 |
| Primary APN | 64-00162-08-00011 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,645 sqft Living Area |
| 1st Floor Area | 1,645 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 6400162H00011 |
|---|---|
| Street Address | 31 GERARD DR |
| City | WALDWICK |
| State | NJ |
| Zip | 07463-1213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 75X100 3LT |
| Legal Subdivision | WALDWICK HEIGHTS |
| Legal Block | 162 |
| Legal Lot Number | 11 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | WALDWICK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 56200 |
31 Gerard Dr is owned and occupied by two individuals who bought it in September 2017.
Source: Bergen County and Waldwick Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 GERARD DR, WALDWICK, NJ 07463-1213 |
| 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.
| Date | Document |
|---|---|
| Mar 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC HOME LOANS INC |
| Sep 7, 2017 | Grant Deed, Transfer · Conventional Mortgage ATLANTIC HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2017 · Amount on File |
| Deed Sale | Sep 7, 2017 · Amount on File |
| Prior Sale | May 27, 2015 · Amount on File |
| Deed Document Number | 201766832 |
| Deed Book / Page | 2715 / 1022 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 31 GERARD DR, WALDWICK, NJ 07463-1213 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0039931244 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | 3993/1244 |
| Instrument | 2021030296 |
| Name | ATLANTIC HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 7, 2017 |
| Property Address | 31 GERARD DR, WALDWICK, NJ 07463-1213 |
| Document Number | 0027151022 |
| Book / Page | 002715 / 001022 |
| Instrument Date | Aug 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2017 |
| Title Company | FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $535.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 GERARD DR WALDWICK NJ 074631213, WALDWICK, NJ 07463-1213 |
| Document Number | 27151028 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 002715/001028 |
| Name | ATLANTIC HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2047 |
The 2025 property tax bill for 31 Gerard Dr was $12,076, 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 | $526,200 (-) Land $272,000 Building $254,200 | $526,200 (-) Land $272,000 Building $254,200 | |
| 2025 | $12,076.00 (+3.66%) | $526,200 Land $272,000 Building $254,200 | $526,200 Land $272,000 Building $254,200 |
| 2024 | $11,650.00 | ||
| 2023 | $418,900 Land $233,400 Building $185,500 | $418,900 Land $233,400 Building $185,500 | |
| 2022 | $11,930.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Gerard Dr in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1999.
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 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 31 Gerard Dr 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 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.
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 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 |
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