404 Prospect Ave, Oradell, NJ 07649 Property Records

Bergen County and Oradell Borough property record for 404 Prospect Ave, Oradell, NJ 07649

Property Summary

Property Type	Single Family Home
Details	2,226 sqft · built 1954
Lot Size	0.259 acres (11,299 sqft)
Owner	2 Individual Names on Record
Last Sale	$985,000 (Jul 2026)
Tax Bill	$17,327 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-00403-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`44-00403-0000-00023`
Alternative APNs	`440040300023` `194000`

Interior

Stories	1 Story
Building Area	2,226 sqft Living Area
1st Floor Area	2,226 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Split Level
Construction Type	Frame
Lot Area	11,299 sqft (0.259 acres)
Lot Dimensions	113 ft deep x 100 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	194000
Street Address	404 PROSPECT AVE
City	ORADELL
State	NJ
Zip	07649-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	100X113
Legal Block	403
Legal Lot Number	23
Jurisdiction	BERGEN NJ
Township / Civil Division	ORADELL
Census Block Group	2
Census Block	2020
Census Tract	40001

Owner

Source: Bergen County and Oradell Borough records, as of August 20, 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 Record
Mailing Address	404 PROSPECT AVE, ORADELL, NJ 07649-1438
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Mar 5, 2020	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Mar 5, 2020 · Amount on Record
Deed Document Number	202648495
Deed Book / Page	5849 / 737
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 16, 2026
Property Address	404 PROSPECT AVE, ORADELL, NJ 07649-1438
Document Number	0000048495
Book / Page	5849 / 737
Instrument Date	Jun 25, 2026
Instrument	202648495
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,485.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 PROSPECT AVE, ORADELL, NJ 07649-1438

Mortgage

Document Number	0000048496,
Date	Jul 16, 2026
Book Page	5849/743
Instrument	202648496

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 5, 2020
Property Address	404 PROSPECT AVE, ORADELL, NJ 07649-1438
Document Number	0035330968
Book / Page	3533 / 968
Instrument Date	Jan 24, 2020
Instrument	20-026947
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	BELMONT TITLE & SETMNT SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,463.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	670 KENNEDY DRIVE, 670, WASHINGTON, NJ

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	404 PROSPECT AVE, ORADELL, NJ 07649-1438

Mortgage

Document Number	20026948
Date	Mar 5, 2020
Instrument	20-026948

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Oradell Borough
Elementary School District	Oradell Borough School District (KG - 06)
Secondary School District	River Dell Regional School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$792,600 (+4.98%) Land $418,400 Building $374,200	$792,600 (+4.98%) Land $418,400 Building $374,200
2025	$17,327.00 (+5.9%)	$755,000 (+26.15%) Land $391,800 Building $363,200	$755,000 (+26.15%) Land $391,800 Building $363,200
2024	$16,362.00 (+6.89%)
2023		$598,500 Land $277,500 Building $321,000	$598,500 Land $277,500 Building $321,000
2022	$15,308.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	2 in force
Nearby Flood Claims	8 (1979–2021)
Claims Outside the SFHA	8 of 8
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	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.

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 325 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	980 / 880

May also be available: T-Mobile.

Nearby Properties on Prospect Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures