Bergen County and Englewood Cliffs Borough property record for 38 Stephen Dr, Englewood Cliffs, NJ 07632
| Property Type | Single Family Home |
|---|---|
| Details | 5,121 sqft · built 2001 |
| Lot Size | 0.383 acres (16,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,260,000 (Jan 2015) |
| Tax Bill | $29,125 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-01002-0000-00015 |
| Primary APN | 16-01002-0000-00015 |
|---|---|
| Alternative APNs |
|
| Building Area | 5,121 sqft Living Area |
|---|
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 16,700 sqft (0.383 acres) |
| Lot Dimensions | 167 ft deep x 100 ft wide |
| Account Number | 157400 |
|---|---|
| Street Address | 38 STEPHEN DR |
| City | ENGLEWOOD CLIFFS |
| State | NJ |
| Zip | 07632-2231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 100X167 IRREG |
| Legal Subdivision | OAKWOOD FORREST INC SEC III |
| Legal Block | 1002 |
| Legal Lot Number | 15 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ENGLEWOOD CLIFFS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 16000 |
38 Stephen Dr is owned and occupied by two individuals who bought it in January 2015.
Source: Bergen County and Englewood Cliffs Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 STEPHEN DR, ENGLEWOOD CLIFFS, NJ 07632-2231 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2015 · Amount on File |
| Deed Sale | Jan 20, 2015 · Amount on File |
| Prior Sale | Nov 13, 2001 · Amount on File |
| Deed Document Number | 2015420702 |
| Deed Book / Page | 1842 / 2115 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 38 STEPHEN DR, ENGLEWOOD CLIFFS, NJ 07632-2231 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036010385 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 3601/385 |
| Instrument | 20-049799 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
The 2025 property tax bill for 38 Stephen Dr was $29,125, up 0.9% from the year before.
Source: Bergen County and Englewood Cliffs Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Englewood Cliffs Borough |
| Unified School District | Englewood Cliffs Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,500,000 (-) Land $1,201,600 Building $1,298,400 | $2,500,000 (-) Land $1,201,600 Building $1,298,400 | |
| 2025 | $29,125.00 (+0.87%) | $2,500,000 Land $1,201,600 Building $1,298,400 | $2,500,000 Land $1,201,600 Building $1,298,400 |
| 2024 | $28,875.00 | ||
| 2023 | $2,681,800 Land $1,201,600 Building $1,480,200 | $2,681,800 Land $1,201,600 Building $1,480,200 | |
| 2022 | $30,116.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Stephen Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Claims | 1 (1980) |
| Most Recent Claim | Oct 1980 · tidal / storm surge |
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 38 Stephen Dr is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Optimum.
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