342 River Dr, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 342 River Dr, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	2,534 sqft · built 2005
Lot Size	0.126 acres (5,467 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Jan 2007)
Tax Bill	$11,829 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2018 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`21-00070-0000-00048`

Property Details

APN / Parcel Number

Primary APN	`21-00070-0000-00048`
Alternative APNs	`210007000048` `001506`

Interior

Units	2 Units
Stories	2 Stories
Building Area	2,534 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	5,467 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 72 ft wide

Location & Zoning

Account Number	001506
Street Address	342 RIVER DR
City	GARFIELD
State	NJ
Zip	07026-3325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	5468 SF
Legal Subdivision	RALPH BORAGINE
Legal Block	70
Legal Lot Number	48
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3008
Census Tract	21600

Owner

342 River Dr is owned and occupied by an individual who bought it in January 2007.

Source: Bergen County and Garfield City records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	342 RIVER DR, GARFIELD, NJ 07026-3325
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
May 10, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 11, 2018	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2007 · Amount on File
Deed Sale	Jan 12, 2007 · Amount on File
Prior Sale	Nov 25, 2003 · Amount on File
Deed Book / Page	9230 / 422
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	342 RIVER DR, GARFIELD, NJ 07026-3325
Transaction Type	Mortgage
Record Updated	Nov 21, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 RIVER DR, GARFIELD, NJ 07026-3325

Mortgage

Document Number	0049901659
Date	May 10, 2023
Book Page	4990/1659
Instrument	2023031398

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 30, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BERGEN NJ
Property Address	342 RIVER DR, GARFIELD, NJ 07026-3325
Document Number	0030182213
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	SERVICELINK LOAN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 RIVER DR GARFIELD NJ 070263325, GARFIELD, NJ 07026-3325

Mortgage

Document Number	0030182213
Date	Aug 6, 2018
Book Page	003018/002213
Instrument	56078

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	480 Months
Due	Aug 5, 2058

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 342 River Dr was $11,829, up 4.3% from the year before.

Source: Bergen County and Garfield City assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$340,000 (-) Land $85,500 Building $254,500	$340,000 (-) Land $85,500 Building $254,500
2025	$11,829.00 (+4.27%)	$340,000 Land $85,500 Building $254,500	$340,000 Land $85,500 Building $254,500
2024	$11,345.00
2023		$340,000 Land $85,500 Building $254,500	$340,000 Land $85,500 Building $254,500
2022	$10,604.00

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

Flood

FEMA maps place 342 River Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	140 (1978–2021)
Claims Outside the SFHA	5 of 140
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 23 claims Hurricane Irene, Aug 2011 · 49 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 24 claims

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 342 River Dr 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	GARFIELD WATER DEPARTMENT serves 30,487 people · EPA ID NJ0221001
Water Source	Purchased surface water from PASSAIC VALLEY WATER COMMISSION
Last State Inspection	Nov 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 922 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

May also be available: AT&T, T-Mobile.

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