388 Loretta Dr, Oradell, NJ 07649 Property Records

Bergen County and Oradell Borough property record for 388 Loretta Dr, Oradell, NJ 07649

Property Summary

Property Type	Single Family Home
Details	1,807 sqft · built 1959
Lot Size	0.351 acres (15,298 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Jul 2020)
Tax Bill	$21,988 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44-01401-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`44-01401-0000-00015`
Alternative APNs	`440140100015` `073300`

Interior

Stories	1 Story
Building Area	1,807 sqft Living Area
1st Floor Area	1,807 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Construction Type	Frame
Lot Area	15,298 sqft (0.351 acres)
Lot Dimensions	153 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	073300
Street Address	388 LORETTA DR
City	ORADELL
State	NJ
Zip	07649-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	100X153
Legal Subdivision	BEECHWOOD ACRES SEC 3
Legal Block	1401
Legal Lot Number	15
Jurisdiction	BERGEN NJ
Township / Civil Division	ORADELL
Census Block Group	1
Census Block	1003
Census Tract	40001

Owner

388 Loretta Dr is owned and occupied by two individuals who bought it in July 2020.

Source: Bergen County and Oradell Borough records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	388 LORETTA DR, ORADELL, NJ 07649-1837
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Mar 9, 2022	Deed of Trust, Mortgage · Line of Credit VISIONS FCU
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 12, 2017	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
Jul 23, 2020	Deed, Transfer · Conventional Mortgage KEARNY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2020 · Amount on File
Deed Sale	Jul 23, 2020 · Amount on File
Prior Sale	Jan 20, 2010 · Amount on File
Deed Document Number	202067899
Deed Book / Page	3650 / 113
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	388 LORETTA DR, ORADELL, NJ 07649-1837
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 LORETTA DR, ORADELL, NJ 07649-1837
Investor	Possibly a Property Investor

Mortgage

Document Number	0056411193
Date	Nov 10, 2025
Book Page	5641/1193
Instrument	2025076102

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2040

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	388 LORETTA DR, ORADELL, NJ 07649-1837
Transaction Type	Mortgage
Record Updated	Jun 3, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 LORETTA DR, ORADELL, NJ 07649-1837

Mortgage

Document Number	0046120556
Date	Mar 9, 2022
Book Page	4612/556
Instrument	2022029530

Lender

Name	VISIONS FCU
Type	Credit Union
Address	ENDICOTT, NY 13760

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	388 LORETTA DR, ORADELL, NJ 07649-1837
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044571685
Date	Nov 15, 2021
Book Page	4457/1685
Instrument	2021169870

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	388 LORETTA DR, ORADELL, NJ 07649-1837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027500398
Date	Oct 12, 2017
Book Page	02750/0398
Instrument	17-076618

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Amount	Amount on Record
Term	359 Months
Due	Sep 15, 2047

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 23, 2020
Property Address	388 LORETTA DR, ORADELL, NJ 07649-1837
Document Number	0036500113
Book / Page	3650 / 113
Instrument Date	May 11, 2020
Instrument	20-067899
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	SAFE LAND TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,874.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	245 HEATHER LN, 245, FRANKLIN LAKES, NJ 07417-1111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 LORETTA DR, ORADELL, NJ 07649-1837
Investor	Possibly a Property Investor

Mortgage

Document Number	20067900
Date	Jul 23, 2020
Instrument	20-067900

Lender

Name	KEARNY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 388 Loretta Dr was $21,988, up 16.4% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,308,700 (+36.59%) Land $608,100 Building $700,600	$1,308,700 (+36.59%) Land $608,100 Building $700,600
2025	$21,988.00 (+16.35%)	$958,100 Land $566,900 Building $391,200	$958,100 Land $566,900 Building $391,200
2024	$18,898.00
2023		$670,800 Land $345,500 Building $325,300	$670,800 Land $345,500 Building $325,300
2022	$17,118.00

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

Flood

FEMA maps place 388 Loretta Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 388 Loretta Dr 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 96% of the US · lower than 89% 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 379 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

May also be available: T-Mobile.

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