403 12th St, Cresskill, NJ 07626 Property Records

Bergen County and Cresskill Borough property record for 403 12th St, Cresskill, NJ 07626

Property Summary

Property Type	Single Family Home
Details	1,298 sqft · built 1959
Lot Size	0.263 acres (11,439 sqft)
Owner	2 Individual Names on File
Last Sale	$1,800,000 (Nov 2025)
Tax Bill	$12,659 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-00110-0000-00035`

Property Details

APN / Parcel Number

Primary APN	`08-00110-0000-00035`
Alternative APNs	`080011000035` `158200`

Interior

Stories	1 Story
Building Area	1,298 sqft Living Area
1st Floor Area	1,298 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Frame
Lot Area	11,439 sqft (0.263 acres)
Lot Dimensions	104 ft deep x 110 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	158200
Street Address	403 12TH ST
City	CRESSKILL
State	NJ
Zip	07626-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	110X104 4.2LT
Legal Subdivision	CRESSKILL MANOR
Legal Block	110
Legal Lot Number	35
Jurisdiction	BERGEN NJ
Township / Civil Division	CRESSKILL
Census Block Group	3
Census Block	3022
Census Tract	8002

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	403 12TH ST, CRESSKILL, NJ 07626-1315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION
Nov 5, 2025	Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 5, 2025 · Amount on Record
Deed Sale	Nov 5, 2025 · Amount on Record
Prior Sale	Dec 6, 2024 · Amount on Record
Deed Document Number	202574795
Deed Book / Page	5637 / 288
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Jun 10, 2026
Property Address	403 12TH ST, CRESSKILL, NJ 07626-1315
Document Number	0000038433
Book / Page	5816 / 1355
Instrument Date	Apr 23, 2026
Instrument	202638433
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 12TH ST, CRESSKILL, NJ 07626-1315
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038433,
Date	Jun 10, 2026
Book Page	5816/1355
Instrument	202638433

Lender

Name	ALLIANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 5, 2025
Property Address	403 12TH ST, CRESSKILL, NJ 07626-1315
Document Number	0056370288
Book / Page	5637 / 288
Instrument Date	Oct 16, 2025
Instrument	2025074795
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$37,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	68 SURREY DR, WAYNE, NJ 07470-5221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 12TH ST, CRESSKILL, NJ 07626-1315

Mortgage

Document Number	2025074796
Date	Nov 5, 2025
Instrument	2025074796

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Cresskill Borough
Unified School District	Cresskill Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,762,300 (+215.88%) Land $505,900 Building $1,256,400	$1,762,300 (+215.88%) Land $505,900 Building $1,256,400
2025	$12,659.00 (+8.13%)	$557,900 (+14.16%) Land $425,000 Building $132,900	$557,900 (+14.16%) Land $425,000 Building $132,900
2024	$11,707.00 (+6.22%)
2023		$488,700 Land $362,700 Building $126,000	$488,700 Land $362,700 Building $126,000
2022	$11,021.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	8 in force
Nearby Flood Claims	2 (2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 824 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications 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

May also be available: T-Mobile USA.

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