Bergen County and Dumont Borough property record for 39 Niagara St, Dumont, NJ 07628
| Property Type | Single Family Home |
|---|---|
| Details | 1,040 sqft · built 1956 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $590,000 (Aug 2026) |
| Tax Bill | $10,830 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-01208-0000-00006 |
| Primary APN | 10-01208-0000-00006 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,040 sqft Living Area |
|---|
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Account Number | 076900 |
|---|---|
| Street Address | 39 NIAGARA ST |
| City | DUMONT |
| State | NJ |
| Zip | 07628-3405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 40X120 |
| Legal Subdivision | DUMONT REALTY CO SEC 2 |
| Legal Block | 1208 |
| Legal Lot Number | 6 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | DUMONT |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 10200 |
39 Niagara St is owned and occupied by two individuals who bought it in August 2026.
Source: Bergen County and Dumont Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 NIAGARA ST, DUMONT, NJ 07628-3405 |
| 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 |
|---|---|
| Aug 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE HOME LOANS INC |
| Aug 6, 2026 | Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC |
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 17, 2020 | Deed of Trust, Mortgage · Conventional with PMI PENNYMAC |
| Apr 16, 2020 | Grant Deed, Transfer · Conventional with PMI PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2026 · Amount on File |
| Deed Sale | Aug 6, 2026 · Amount on File |
| Prior Sale | Apr 16, 2020 · Amount on File |
| Deed Document Number | 202654555 |
| Deed Book / Page | 5869 / 230 |
| Prior Transfer Date | Dec 28, 2005 |
| Prior Transfer Doc | 0089900403 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 6, 2026 |
| Property Address | 39 NIAGARA ST, DUMONT, NJ 07628-3405 |
| Document Number | 0000054556 |
| Book / Page | 5869 / 235 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202654556 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMP |
| Name | Verified Name |
|---|---|
| Address | 132 MYRTLE AVE, 12, FORT LEE, NJ 07024-7951 |
| Document Number | 0000054556, |
|---|---|
| Date | Aug 6, 2026 |
| Book Page | 5869/235 |
| Instrument | 202654556 |
| Name | LUMINATE HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 6, 2026 |
| Property Address | 39 NIAGARA ST, DUMONT, NJ 07628-3405 |
| Document Number | 0000054555 |
| Book / Page | 5869 / 230 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202654555 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | CSC DOCUMENT RECORDING |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $59,590.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 NIAGARA ST, DUMONT, NJ 07628-3405 |
| Document Number | 0000054556, |
|---|---|
| Date | Aug 6, 2026 |
| Book Page | 5869/235 |
| Instrument | 202654556 |
| Name | LUMINATE HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 39 NIAGARA ST, DUMONT, NJ 07628-3405 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044710293 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 4471/293 |
| Instrument | 2021174110 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 39 NIAGARA ST, DUMONT, NJ 07628-3405 |
| Document Number | 0035720454 |
| Instrument Date | Mar 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39 NIAGARA ST DUMONT NJ 076283405, DUMONT, NJ 07628-3405 |
| Document Number | 0035720454 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 003572/000454 |
| Instrument | 20039873 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 16, 2020 |
| Property Address | 39 NIAGARA ST, DUMONT, NJ 07628-3405 |
| Document Number | 0035720450 |
| Book / Page | 003572 / 000450 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 20039872 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39 NIAGARA ST DUMONT NJ 076283405, DUMONT, NJ 07628-3405 |
| Document Number | 35720454 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 003572/000454 |
| Instrument | 20039873 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2050 |
The 2025 property tax bill for 39 Niagara St was $10,830, up 6.6% from the year before.
Source: Bergen County and Dumont Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Dumont Borough |
| Unified School District | Dumont Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $497,400 (+7.48%) Land $302,400 Building $195,000 | $497,400 (+7.48%) Land $302,400 Building $195,000 | |
| 2025 | $10,830.00 (+6.56%) | $462,800 Land $277,600 Building $185,200 | $462,800 Land $277,600 Building $185,200 |
| 2024 | $10,163.00 | ||
| 2023 | $250,000 Land $148,000 Building $102,000 | $250,000 Land $148,000 Building $102,000 | |
| 2022 | $9,707.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 39 Niagara St in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
The area around 39 Niagara St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 828 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 | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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