Bergen County and Closter Borough property record for 37 Oak St, Closter, NJ 07624
| Property Type | Single Family Home |
|---|---|
| Details | 2,012 sqft · built 2006 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $668,000 (Apr 2021) |
| Tax Bill | $15,538 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-00610-0000-00008 |
| Primary APN | 07-00610-0000-00008 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,012 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Frame |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Account Number | 062060 |
|---|---|
| Street Address | 37 OAK ST |
| City | CLOSTER |
| State | NJ |
| Zip | 07624-1713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICTN |
| Legal Description | 0.12 AC |
| Legal Subdivision | BURROWS NEELY & CO |
| Legal Block | 610 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CLOSTER |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 7001 |
37 Oak St is owned and occupied by two individuals who bought it in April 2021.
Source: Bergen County and Closter Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 37 OAK ST, CLOSTER, NJ 07624-1713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 6, 2021 | Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2021 · Amount on File |
| Deed Sale | Apr 6, 2021 · Amount on File |
| Prior Sale | Jan 13, 2004 · Amount on File |
| Deed Document Number | 202150092 |
| Deed Book / Page | 4057 / 344 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 37 OAK ST, CLOSTER, NJ 07624-1713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 37 OAK ST, CLOSTER, NJ 07624-1713 |
| Document Number | 0057150884 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 5715/884 |
| Instrument | 2026007212 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 291 Months |
| Due | May 29, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 6, 2021 |
| Property Address | 37 OAK ST, CLOSTER, NJ 07624-1713 |
| Document Number | 0040570344 |
| Book / Page | 4057 / 344 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 2021050092 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Title Company | ALL JERSEY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,905.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37 OAK ST, 37, CLOSTER, NJ 07624-1713 |
| Name | Verified Name |
|---|---|
| Address | 37 OAK ST, CLOSTER, NJ 07624-1713 |
| Document Number | 0040570350 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 4057/350 |
| Instrument | 2021050093 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Feb 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Feb 1, 2024 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.12% |
| Max Rate At Change | 6.12% |
| Index | 5-Year TN |
| Margin | 2 |
| Max Rate | 9.12% |
The 2025 property tax bill for 37 Oak St was $15,538, up 4.4% from the year before.
Source: Bergen County and Closter Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Closter Borough |
| Elementary School District | Closter Borough School District (KG - 08) |
| Secondary School District | Northern Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $809,300 (+7.92%) Land $432,500 Building $376,800 | $809,300 (+7.92%) Land $432,500 Building $376,800 | |
| 2025 | $15,538.00 (+4.39%) | $749,900 Land $422,500 Building $327,400 | $749,900 Land $422,500 Building $327,400 |
| 2024 | $14,884.00 | ||
| 2023 | $666,000 Land $360,000 Building $306,000 | $666,000 Land $360,000 Building $306,000 | |
| 2022 | $13,581.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 37 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 5 (1999–2025) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
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 37 Oak 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 95% of the US · lower than 87% 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 380 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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