409 White Ave, Northvale, NJ 07647 Property Records

Bergen County and Northvale Borough property record for 409 White Ave, Northvale, NJ 07647

Property Summary

Property Type	Single Family Home
Details	2,058 sqft · built 1930
Lot Size	0.153 acres (6,652 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,546 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-00801-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`40-00801-0000-00017`
Alternative APN	`400080100017`

Interior

Stories	1 Story
Building Area	2,058 sqft Living Area
1st Floor Area	2,058 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	6,652 sqft (0.153 acres)
Lot Dimensions	133 ft deep x 50 ft wide

Location & Zoning

Street Address	409 WHITE AVE
City	NORTHVALE
State	NJ
Zip	07647-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	50X133 1LT (603,16)
Legal Subdivision	NORWOOD SUBURBAN HOME & LAND C
Legal Block	801
Legal Lot Number	17
Jurisdiction	BERGEN NJ
Township / Civil Division	NORTHVALE
Census Block Group	1
Census Block	1009
Census Tract	2200

Owner

Source: Bergen County and Northvale Borough records · APN 40-00801-0000-00017

Assessment roll updated June 29, 2026 · Last verified July 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	409 WHITE AVE, NORTHVALE, NJ 07647-1523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	409 WHITE AVE, NORTHVALE, NJ 07647-1523
Transaction Type	Mortgage
Record Updated	Jul 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041731595
Date	May 28, 2021
Book Page	4173/1595
Instrument	2021085274

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Bergen County and Northvale Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Northvale Borough
Secondary School District	Northern Valley Regional School District (09 - 12)
Elementary School District	Northvale Borough School District (KG - 08)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$586,700 (+85.14%) Land $332,200 Building $254,500	$586,700 (+85.14%) Land $332,200 Building $254,500
2025	$10,546.00 (+3.93%)	$316,900 (-) Land $199,300 Building $117,600	$316,900 (-) Land $199,300 Building $117,600
2024	$10,147.00 (+6.03%)
2023		$316,900 Land $199,300 Building $117,600	$316,900 Land $199,300 Building $117,600
2022	$9,570.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	8 (1999–2021)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 451 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.