41 Commerce St, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 41 Commerce St, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	1,569 sqft · built 1890
Lot Size	0.07 acres (3,062 sqft)
Owner	Individual Name on Record
Last Sale	$151,200 (Jun 2017)
Tax Bill	$7,118 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-00052-0000-00032`

Property Details

APN / Parcel Number

Primary APN	`21-00052-0000-00032`
Alternative APNs	`210005200032` `001039`

Interior

Units	2 Units
Stories	2 Stories
Building Area	1,569 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Construction Type	Brick
Lot Area	3,062 sqft (0.07 acres)

Location & Zoning

Account Number	001039
Street Address	41 COMMERCE ST
City	GARFIELD
State	NJ
Zip	07026-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	3063 SF
Legal Block	52
Legal Lot Number	32
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4000
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	41 COMMERCE ST, GARFIELD, NJ 07026-3024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2020	Quit Claim Deed, Transfer CALIBER HM LOANS
Mar 13, 2020	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Jun 28, 2017	Grant Deed, Transfer · FHA Mortgage NJ LENDERS
Mar 7, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2017 · Amount on Record
Deed Sale	Jun 28, 2017 · Amount on Record
Prior Sale	Mar 7, 2017
Deed Document Number	20174914401
Deed Book / Page	2651 / 2124
Last Transfer Date	Mar 13, 2020
Transfer Doc	0036001822
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERGEN NJ
Recording Date	May 18, 2020
Property Address	41 COMMERCE ST, GARFIELD, NJ 07026-3024
Document Number	0036001822
Book / Page	003600 / 001822
Instrument Date	Mar 13, 2020
Instrument	20049682
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 COMMERCE ST GARFIELD NJ 070263024, GARFIELD, NJ 07026-3024

Mortgage

Document Number	36001826
Date	May 18, 2020
Book Page	003600/001826
Instrument	20049683

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	41 COMMERCE ST, GARFIELD, NJ 07026-3024
Document Number	0036001826
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 COMMERCE ST GARFIELD NJ 070263024, GARFIELD, NJ 07026-3024

Mortgage

Document Number	0036001826
Date	May 18, 2020
Book Page	003600/001826
Instrument	20049683

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 28, 2017
Property Address	41 COMMERCE ST, GARFIELD, NJ 07026-3024
Document Number	0026512124
Book / Page	002651 / 002124
Instrument Date	Apr 6, 2017
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	FORTUNE TITLE SERVICES, FORTUNE TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$151.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 JOSH CT CLIFTON NJ 070113609, CLIFTON, NJ 07011-3609

Mortgage

Document Number	26512132
Date	Jun 28, 2017
Book Page	002651/002132

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2047

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 7, 2017
Property Address	41 COMMERCE ST, GARFIELD, NJ 07026-3024
Document Number	0025551985
Book / Page	002555 / 001985
Instrument Date	Oct 4, 2016
Transaction Type	Foreclosure
Record Updated	Apr 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

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		$204,600 (-) Land $76,900 Building $127,700	$204,600 (-) Land $76,900 Building $127,700
2025	$7,118.00 (+4.25%)	$204,600 (-) Land $76,900 Building $127,700	$204,600 (-) Land $76,900 Building $127,700
2024	$6,828.00 (+7.01%)
2023		$204,600 Land $76,900 Building $127,700	$204,600 Land $76,900 Building $127,700
2022	$6,381.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	81 (1980–2021)
Claims Outside the SFHA	8 of 81
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 16 claims Hurricane Irene, Aug 2011 · 28 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 16 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.

Nearby Properties on Commerce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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