Bergen County and Garfield City property record for 397 Macarthur Ave, Garfield, NJ 07026
| Property Type | Single Family Home |
|---|---|
| Details | 994 sqft · built 1957 |
| Lot Size | 0.06 acres (2,605 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $351,000 (Jun 2018) |
| Tax Bill | $7,598 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Jun 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00216-08-00173 |
| Primary APN | 21-00216-08-00173 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 994 sqft Living Area |
| 1st Floor Area | 994 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 2,605 sqft (0.06 acres) |
| Lot Dimensions | 104 ft deep x 25 ft wide |
| Account Number | 006235 |
|---|---|
| Street Address | 397 MACARTHUR AVE |
| City | GARFIELD |
| State | NJ |
| Zip | 07026-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2604 SF |
| Legal Subdivision | NEW YORK & NEW JERSEY REAL EST |
| Legal Block | 216 |
| Legal Lot Number | 173 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | GARFIELD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21400 |
397 Macarthur Ave is owned and occupied by two individuals who bought it in June 2018.
Source: Bergen County and Garfield City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 397 MACARTHUR AVE, GARFIELD, NJ 07026-1105 |
| 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 |
|---|---|
| Feb 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 7, 2018 | Deed, Transfer |
| May 19, 2017 | Deed, Transfer · Conventional Mortgage TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2018 · Amount on File |
| Deed Sale | Jun 7, 2018 · Amount on File |
| Prior Sale | May 19, 2017 · Amount on File |
| Deed Document Number | 201818-039994 |
| Deed Book / Page | 2960 / 1866 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 397 MACARTHUR AVE, GARFIELD, NJ 07026-1105 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045671958 |
|---|---|
| Date | Feb 3, 2022 |
| Book Page | 4567/1958 |
| Instrument | 2022015490 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 7, 2018 |
| Property Address | 397 MACARTHUR AVE, GARFIELD, NJ 07026-1105 |
| Document Number | 0029601866 |
| Book / Page | 2960 / 1866 |
| Instrument Date | May 18, 2018 |
| Instrument | 00018-039994 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 397 MACARTHUR AVE, GARFIELD, NJ 07026-1105 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 19, 2017 |
| Property Address | 397 MACARTHUR AVE, GARFIELD, NJ 07026-1105 |
| Document Number | 0026150456 |
| Book / Page | 02615 / 0456 |
| Map Reference | MB 2332 PG 1386 |
| Instrument Date | Apr 5, 2017 |
| Instrument | 17-039089 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,332.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 MORTGAGE WAY, 1, MOUNT LAUREL, NJ 08054-4637 |
| Name | Verified Name |
|---|---|
| Address | 110 PROSPECT ST, LODI, NJ 07644-2335 |
| Document Number | 0026150462 |
|---|---|
| Date | May 19, 2017 |
| Book Page | 02615/0462 |
| Instrument | 17-039089.01 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 397 Macarthur Ave was $7,598, up 4.3% from the year before.
Source: Bergen County and Garfield City assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Garfield City |
| Unified School District | Garfield City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $218,400 (-) Land $89,100 Building $129,300 | $218,400 (-) Land $89,100 Building $129,300 | |
| 2025 | $7,598.00 (+4.25%) | $218,400 Land $89,100 Building $129,300 | $218,400 Land $89,100 Building $129,300 |
| 2024 | $7,288.00 | ||
| 2023 | $218,400 Land $89,100 Building $129,300 | $218,400 Land $89,100 Building $129,300 | |
| 2022 | $6,811.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 397 Macarthur Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 10 (0% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2023 · rainfall accumulation |
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 397 Macarthur Ave 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 99.1% of the US · lower than 97.3% 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 | GARFIELD WATER DEPARTMENT serves 30,487 people · EPA ID NJ0221001 |
|---|---|
| Water Source | Purchased surface water from PASSAIC VALLEY WATER COMMISSION |
| Last State Inspection | Nov 2025 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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 804 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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