Bergen County and Fairview Borough property record for 398 Cliff St, Fairview, NJ 07022
| Property Type | Single Family Home |
|---|---|
| Details | 1,777 sqft · built 1912 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $835,000 (Apr 2026) |
| Tax Bill | $9,780 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00305-0000-00004 |
| Primary APN | 18-00305-0000-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,777 sqft Living Area |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Construction Type | Frame |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Old Parcel Number | 1800051000000005 |
|---|---|
| Street Address | 398 CLIFF ST |
| City | FAIRVIEW |
| State | NJ |
| Zip | 07022-1247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | 25X100 |
| Legal Subdivision | HERMAN WALKER MAP 4 |
| Legal Block | 305 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FAIRVIEW |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 18102 |
Source: Bergen County and Fairview Borough records, as of July 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1301 76TH ST, NORTH BERGEN, NJ 07047-4004 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Jul 15, 2025 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Apr 20, 2026 | Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| Apr 20, 2026 | Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| Oct 8, 2020 | Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on Record |
| Deed Sale | Apr 20, 2026 · Amount on Record |
| Prior Sale | May 16, 2016 · Amount on Record |
| Deed Document Number | 202626157 |
| Deed Book / Page | 5776 / 1243 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 398 CLIFF ST, FAIRVIEW, NJ 07022-1247 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 398 CLIFF ST, FAIRVIEW, NJ 07022-1247 |
| Document Number | 0055510660 |
|---|---|
| Date | Jul 15, 2025 |
| Book Page | 5551/660 |
| Instrument | 2025048295 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 250 Months |
| Due | May 1, 2046 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 20, 2026 |
| Property Address | 398 CLIFF ST, FAIRVIEW, NJ 07022-1247 |
| Document Number | 0000026157 |
| Book / Page | 5776 / 1243 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 2026.26157 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | SAFECO LAND TITLE, SAFE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $84,335.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1301 76TH ST, NORTH BERGEN, NJ 07047-4004 |
| Investor | Possibly a Property Investor |
| Document Number | 0000026158, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026..26158 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 20, 2026 |
| Property Address | 398 CLIFF ST, FAIRVIEW, NJ 07022-1247 |
| Document Number | 0057761243 |
| Book / Page | 5776 / 1243 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202626157 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | LAND SAFE TITLE, SAFE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $84,335.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1301 76TH ST, NORTH BERGEN, NJ 07047-4004 |
| Investor | Possibly a Property Investor |
| Document Number | 0000026158, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202626158 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 398 CLIFF ST, FAIRVIEW, NJ 07022-1247 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 398 CLIFT ST, FAIRVIEW, NJ 07022-1247 |
| Document Number | 0037550330 |
|---|---|
| Date | Oct 8, 2020 |
| Book Page | 3755/330 |
| Instrument | 20-100164 |
| Name | RUSHMORE LOAN MANAGEMENT SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 307 Months |
| Due | May 1, 2046 |
Source: Bergen County and Fairview Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Fairview Borough |
| Unified School District | Fairview Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $464,600 (+8.07%) Land $210,000 Building $254,600 | $464,600 (+8.07%) Land $210,000 Building $254,600 | |
| 2025 | $9,780.00 (+3.46%) | $429,900 (+8.48%) Land $200,000 Building $229,900 | $429,900 (+8.48%) Land $200,000 Building $229,900 |
| 2024 | $9,453.00 (+10.73%) | ||
| 2023 | $396,300 Land $180,000 Building $216,300 | $396,300 Land $180,000 Building $216,300 | |
| 2022 | $8,537.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 799 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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