405 River Dr, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 405 River Dr, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	1,196 sqft · built 1882
Lot Size	0.157 acres (6,856 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Feb 2019)
Tax Bill	$7,174 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`21-00071-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`21-00071-0000-00007`
Alternative APNs	`210007100007` `001510`

Interior

Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Construction Type	Frame
Lot Area	6,856 sqft (0.157 acres)
Lot Dimensions	135 ft deep x 51 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	001510
Street Address	405 RIVER DR
City	GARFIELD
State	NJ
Zip	07026-3352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	6855 SF
Legal Subdivision	GARFIELD LAND ASSOCIATION
Legal Block	71
Legal Lot Number	7
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3004
Census Tract	21600

Owner

Source: Bergen County and Garfield City records, 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	Individual Name on Record
Mailing Address	405 RIVER DR, GARFIELD, NJ 07026-3352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 7, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 31, 2021	Correction Deed · FHA Mortgage JFQ LENDING INC
Feb 21, 2019	Deed with Mortgage, Transfer · FHA Mortgage NJ LENDERS
Nov 16, 2018	Trustee's Deed, Transfer FIRST FINANCIAL TITLE AGENCY/NJ INC, FIRST FIN'L TITLE AGCY/NJ INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2019 · Amount on Record
Deed Sale	Feb 21, 2019 · Amount on Record
Prior Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	201912113
Deed Book / Page	3183 / 1415
Last Transfer Date	May 23, 2020
Transfer Doc	0043521959
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	405 RIVER DR, GARFIELD, NJ 07026-3352
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RIVER DR, GARFIELD, NJ 07026-3352

Mortgage

Document Number	0040060491
Date	Mar 10, 2021
Book Page	4006/491
Instrument	2021033962

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Jun 1, 2048

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	405 RIVER DR, GARFIELD, NJ 07026-3352
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RIVER DR, GARFIELD, NJ 07026-3352

Mortgage

Document Number	0047350112
Date	Jul 7, 2022
Book Page	4735/112
Instrument	2022068335

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Jun 1, 2048

August 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 31, 2021
Property Address	405 RIVER DR, GARFIELD, NJ 07026-3352
Document Number	0043521951
Book / Page	4352 / 1951
Instrument Date	May 23, 2020
Instrument	2021138018
Record Updated	Aug 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RIVER DR, GARFIELD, NJ 07026-3352

Mortgage

Document Number	0043521959
Date	Aug 31, 2021
Book Page	4352/1959
Instrument	2021138019

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Jun 1, 2048

February 2019: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Feb 21, 2019
Property Address	405 RIVER DR, GARFIELD, NJ 07026-3352
Document Number	0031831415
Book / Page	003183 / 001415
Instrument Date	Feb 7, 2019
Instrument	12113
Transaction Type	Transfer
Record Updated	Mar 4, 2019
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	405 RIVER DR GARFIELD NJ 070263352, GARFIELD, NJ 07026-3352

Mortgage

Document Number	31831422
Date	Feb 21, 2019
Book Page	003183/001422
Instrument	12113

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2049

November 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 16, 2018
Property Address	405 RIVER DR, GARFIELD, NJ 07026-3352
Document Number	0031091721
Book / Page	003109 / 001721
Instrument Date	Jun 19, 2018
Instrument	81471
Transaction Type	Transfer
Record Updated	Nov 27, 2018
Title Company	FIRST FINANCIAL TITLE AGENCY/NJ INC, FIRST FIN'L TITLE AGCY/NJ INC

Transaction

Amount	Amount Recorded
Tax	$156.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	139 NOTCH RD CLIFTON NJ 070133235, CLIFTON, NJ 07013-3235

Tax Assessment & Valuation

Source: Bergen County and Garfield City assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$206,200 (-) Land $104,400 Building $101,800	$206,200 (-) Land $104,400 Building $101,800
2025	$7,174.00 (+4.26%)	$206,200 (-) Land $104,400 Building $101,800	$206,200 (-) Land $104,400 Building $101,800
2024	$6,881.00 (+7%)
2023		$206,200 Land $104,400 Building $101,800	$206,200 Land $104,400 Building $101,800
2022	$6,431.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 33 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	140 (1978–2021)
Claims Outside the SFHA	5 of 140
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 23 claims Hurricane Irene, Aug 2011 · 49 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 24 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 922 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

May also be available: AT&T, T-Mobile.

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