Bergen County and Oradell Borough property record for 349 Elm St, Oradell, NJ 07649
| Property Type | Single Family Home |
|---|---|
| Details | 1,597 sqft · built 1929 |
| Lot Size | 0.108 acres (4,687 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $820,000 (Oct 2025) |
| Tax Bill | $12,340 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jan 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-01208-0000-00013 |
| Primary APN | 44-01208-0000-00013 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,597 sqft Living Area |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 4,687 sqft (0.108 acres) |
| Lot Dimensions | 109 ft deep x 43 ft wide |
| Account Number | 047200 |
|---|---|
| Street Address | 349 ELM ST |
| City | ORADELL |
| State | NJ |
| Zip | 07649-2207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | 43X109 |
| Legal Subdivision | BOROUGH/ORADELL |
| Legal Block | 1208 |
| Legal Lot Number | 13 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ORADELL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 40002 |
349 Elm St is owned and occupied by two individuals who bought it in October 2025.
Source: Bergen County and Oradell Borough records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE MORTGAGE |
| Jan 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 6, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 9, 2025 | Deed, Transfer · VA Mortgage NORTHPOINTE BANK |
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 7, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2025 · Amount on File |
| Deed Sale | Oct 9, 2025 · Amount on File |
| Prior Sale | Aug 26, 2004 · Amount on File |
| Deed Document Number | 202569286 |
| Deed Book / Page | 5618 / 1345 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 17, 2026 |
| Property Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Document Number | 0000040605 |
| Book / Page | 5823 / 1202 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202640605 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Document Number | 0000040605, |
|---|---|
| Date | Jun 17, 2026 |
| Book Page | 5823/1202 |
| Instrument | 202640605 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0045200565 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 4520/565 |
| Instrument | 2022001308 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Document Number | 0054451024 |
|---|---|
| Date | Mar 6, 2025 |
| Book Page | 5445/1024 |
| Instrument | 2025016114 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Feb 22, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 9, 2025 |
| Property Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Document Number | 0056181345 |
| Book / Page | 5618 / 1345 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 2025069286 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | CENTURION TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,517.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 455 SUMMIT AVE, ORADELL, NJ 07649-1352 |
| Name | Verified Name |
|---|---|
| Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Document Number | 2025069287 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 2025069287 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0038141832 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 3814/1832 |
| Instrument | 20-118002 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 349 ELM ST, ORADELL, NJ 07649-2207 |
| Document Number | 0033720365 |
| Instrument Date | Sep 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 349 ELM ST ORADELL NJ 076492207, ORADELL, NJ 07649-2207 |
| Document Number | 0033720365 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 003372/000365 |
| Instrument | 67457 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 9, 2034 |
The 2025 property tax bill for 349 Elm St was $12,340, down 5% from the year before.
Source: Bergen County and Oradell Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Oradell Borough |
| Elementary School District | Oradell Borough School District (KG - 06) |
| Secondary School District | River Dell Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $560,100 (+4.17%) Land $292,800 Building $267,300 | $560,100 (+4.17%) Land $292,800 Building $267,300 | |
| 2025 | $12,340.00 (-5.02%) | $537,700 Land $278,200 Building $259,500 | $537,700 Land $278,200 Building $259,500 |
| 2024 | $12,992.00 | ||
| 2023 | $475,100 Land $245,800 Building $229,300 | $475,100 Land $245,800 Building $229,300 | |
| 2022 | $12,121.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 349 Elm St in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1980.
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 | 23 (1980–2023) |
| Claims Outside the SFHA | 5 of 23 |
| Most Recent Claim | Dec 2023 · river or lake flooding |
| 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 349 Elm 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 99.1% of the US · lower than 97.3% 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 328 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
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