38 4th St, Emerson, NJ 07630 Property Records

Bergen County and Emerson Borough property record for 38 4th St, Emerson, NJ 07630

Property Summary

Property Type	Single Family Home
Details	2,624 sqft · built 1958
Lot Size	0.22 acres (9,601 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,100 (Sep 2020)
Tax Bill	$19,662 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-00728-0000-00003-02`

Property Details

APN / Parcel Number

Primary APN	`14-00728-0000-00003-02`
Alternative APNs	`14007280000000030002` `021011`

Interior

Stories	1 Story
Building Area	2,624 sqft Living Area
1st Floor Area	2,624 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Frame
Construction Type	Frame
Lot Area	9,601 sqft (0.22 acres)
Lot Dimensions	75 ft deep x 128 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	021011
Street Address	38 4TH ST
City	EMERSON
State	NJ
Zip	07630-2125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	128X75
Legal Block	728
Legal Lot Number	3.02
Jurisdiction	BERGEN NJ
Township / Civil Division	EMERSON
Census Block Group	1
Census Block	1016
Census Tract	14000

Owner

Source: Bergen County and Emerson Borough records, as of October 13, 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 Record
Mailing Address	38 4TH ST, EMERSON, NJ 07630-2125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Jul 20, 1999 · Amount on Record
Deed Document Number	202086197
Deed Book / Page	3708 / 623
Record Updated	Oct 29, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 16, 2020
Property Address	38 4TH ST, EMERSON, NJ 07630-2125
Document Number	0037080623
Book / Page	3708 / 623
Instrument Date	Jul 15, 2020
Instrument	20-086197
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,720.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	697 CHAMWOOD DRIVE, 697, WYCKOFF, NJ

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 4TH ST, EMERSON, NJ 07630-2125

Mortgage

Document Number	20086198
Date	Sep 16, 2020
Instrument	20-086198

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Bergen County and Emerson Borough assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$574,900 (-) Land $225,300 Building $349,600	$574,900 (-) Land $225,300 Building $349,600
2025	$19,662.00 (+3.55%)	$574,900 (-) Land $225,300 Building $349,600	$574,900 (-) Land $225,300 Building $349,600
2024	$18,988.00 (+9.08%)
2023		$574,900 Land $225,300 Building $349,600	$574,900 Land $225,300 Building $349,600
2022	$17,407.00

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

Flood

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	4 in force
Nearby Flood Claims	7 (1984–2021)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 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	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20