Bergen County and Cresskill Borough property record for 344 12th St, Cresskill, NJ 07626
| Property Type | Single Family Home |
|---|---|
| Details | 1,632 sqft · built 1989 |
| Lot Size | 0.239 acres (10,402 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Aug 1996) |
| Tax Bill | $14,050 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-00014-03-00001 |
| Primary APN | 08-00014-03-00001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 1,632 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 10,402 sqft (0.239 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Parking Spaces | 1 Parking Space |
| Account Number | 030200 |
|---|---|
| Street Address | 344 12TH ST |
| City | CRESSKILL |
| State | NJ |
| Zip | 07626-1316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 80X130 4LT |
| Legal Subdivision | HOMES/ALSTAN/CRESSKILL |
| Legal Block | 14.03 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CRESSKILL |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 8002 |
344 12th St is owned and occupied by two individuals who bought it in August 1996.
Source: Bergen County and Cresskill Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 344 12TH ST, CRESSKILL, NJ 07626-1316 |
| 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 |
|---|---|
| Jun 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC |
| Oct 11, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA |
| Jan 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GOODMORTGAGE.COM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 1996 · Amount on File |
| Deed Sale | Aug 7, 1996 · Amount on File |
| Deed Book / Page | 7900 / 827 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 344 12TH ST, CRESSKILL, NJ 07626-1316 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042191812 |
|---|---|
| Date | Jun 17, 2021 |
| Book Page | 4219/1812 |
| Instrument | 2021097658 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 344 12TH ST, CRESSKILL, NJ 07626-1316 |
| Document Number | 0034111897 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 344 12TH ST CRESSKILL NJ 076261316, CRESSKILL, NJ 07626-1316 |
| Document Number | 0034111897 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 003411/001897 |
| Instrument | 79307 |
| Name | CITIZENS BK/PA |
|---|---|
| Type | Bank |
| Address | PHILADELPHIA, PA 19103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 17, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 344 12TH ST, CRESSKILL, NJ 07626-1316 |
| Document Number | 0025202141 |
| Book / Page | 002520 / 002141 |
| Instrument Date | Jan 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2017 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 344 12TH ST CRESSKILL NJ 076261316, CRESSKILL, NJ 07626-1316 |
| Document Number | 0025202141 |
|---|---|
| Date | Jan 30, 2017 |
| Book Page | 002520/002141 |
| Name | GOODMORTGAGE.COM |
|---|---|
| Type | Mortgage Company |
| Address | TYSONS CORNER, VA 22182 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 29, 2047 |
The 2025 property tax bill for 344 12th St was $14,050, up 7.3% from the year before.
Source: Bergen County and Cresskill Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Cresskill Borough |
| Unified School District | Cresskill Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $754,400 (+21.83%) Land $487,200 Building $267,200 | $754,400 (+21.83%) Land $487,200 Building $267,200 | |
| 2025 | $14,050.00 (+7.33%) | $619,200 Land $408,400 Building $210,800 | $619,200 Land $408,400 Building $210,800 |
| 2024 | $13,091.00 | ||
| 2023 | $546,700 Land $348,100 Building $198,600 | $546,700 Land $348,100 Building $198,600 | |
| 2022 | $12,369.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 344 12th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 | 8 in force |
| Nearby Flood Claims | 2 (2021) |
| Claims Outside the SFHA | 1 of 2 |
| 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 344 12th St 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 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 682 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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