Bergen County and Closter Borough property record for 39 Whitney St, Closter, NJ 07624
| Property Type | Single Family Home |
|---|---|
| Details | 2,105 sqft · built 1939 |
| Lot Size | 0.079 acres (3,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,000 (Aug 2019) |
| Tax Bill | $18,658 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-00906-0000-00011 |
| Primary APN | 07-00906-0000-00011 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,105 sqft Living Area |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Exterior Material | Stucco |
| Lot Area | 3,424 sqft (0.079 acres) |
| Lot Dimensions | 137 ft deep x 25 ft wide |
| Account Number | 048120 |
|---|---|
| Street Address | 39 WHITNEY ST |
| City | CLOSTER |
| State | NJ |
| Zip | 07624-1813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICTN |
| Legal Description | L36-39 25X137 |
| Legal Subdivision | HEARTHSTONE REALTY CO |
| Legal Block | 906 |
| Legal Lot Number | 11 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CLOSTER |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 7001 |
39 Whitney St is owned and occupied by two individuals who bought it in August 2019.
Source: Bergen County and Closter Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 WHITNEY ST, CLOSTER, NJ 07624-1813 |
| 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.
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Mar 2, 2021 | Deed of Trust, Mortgage · Line of Credit VISIONS FCU |
| Aug 21, 2019 | Deed with Mortgage, Transfer · Conventional Mortgage NJ LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2019 · Amount on File |
| Deed Sale | Aug 21, 2019 · Amount on File |
| Deed Document Number | 201954719 |
| Deed Book / Page | 3327 / 1914 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 39 WHITNEY ST, CLOSTER, NJ 07624-1813 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2021 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0043451756 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 4345/1756 |
| Instrument | 2021135835 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 39 WHITNEY ST, CLOSTER, NJ 07624-1813 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 39 WHITNEY ST, CLOSTER, NJ 07624-1813 |
| Document Number | 0039880556 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 3988/556 |
| Instrument | 2021028793 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 21, 2019 |
| Property Address | 39 WHITNEY ST, CLOSTER, NJ 07624-1813 |
| Document Number | 0033271914 |
| Book / Page | 003327 / 001914 |
| Instrument Date | Jul 10, 2019 |
| Instrument | 54719 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $505.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 WHITNEY ST CLOSTER NJ 076241813, CLOSTER, NJ 07624-1813 |
| Document Number | 33271921 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | 003327/001921 |
| Instrument | 54719 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 20, 2049 |
The 2025 property tax bill for 39 Whitney St was $18,658, up 10.6% 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 | $955,500 (+6.11%) Land $544,700 Building $410,800 | $955,500 (+6.11%) Land $544,700 Building $410,800 | |
| 2025 | $18,658.00 (+10.59%) | $900,500 Land $515,400 Building $385,100 | $900,500 Land $515,400 Building $385,100 |
| 2024 | $16,872.00 | ||
| 2023 | $792,500 Land $398,600 Building $393,900 | $792,500 Land $398,600 Building $393,900 | |
| 2022 | $16,225.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39 Whitney St in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 1979.
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 | 7 in force |
| Nearby Flood Claims | 35 (1979–2021) |
| Claims Outside the SFHA | 7 of 35 |
| Most Recent Claim | Oct 2021 · river or lake flooding |
| Claims by Event |
|
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 39 Whitney 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 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 382 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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