41 Stephen Dr, Englewood Cliffs, NJ 07632 Property Records

Bergen County and Englewood Cliffs Borough property record for 41 Stephen Dr, Englewood Cliffs, NJ 07632

Property Summary

Property Type	Single Family Home
Details	5,305 sqft · built 2011
Lot Size	0.276 acres (12,001 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Aug 2009)
Tax Bill	$31,013 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-01005-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`16-01005-0000-00003`
Alternative APNs	`160100500003` `159400`

Interior

Building Area	5,305 sqft Living Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Lot Area	12,001 sqft (0.276 acres)
Lot Dimensions	120 ft deep x 100 ft wide

Location & Zoning

Account Number	159400
Street Address	41 STEPHEN DR
City	ENGLEWOOD CLIFFS
State	NJ
Zip	07632-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	100X120
Legal Subdivision	OAKWOOD FOREST INC SEC III
Legal Block	1005
Legal Lot Number	3
Jurisdiction	BERGEN NJ
Township / Civil Division	ENGLEWOOD CLIFFS
Census Block Group	1
Census Block	1016
Census Tract	16000

Owner

41 Stephen Dr is owned and occupied by two individuals who bought it in August 2009.

Source: Bergen County and Englewood Cliffs Borough records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	41 STEPHEN DR, ENGLEWOOD CLIFFS, NJ 07632-2229
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2009 · Amount on File
Deed Sale	Aug 26, 2009 · Amount on File
Prior Sale	Oct 27, 2000 · Amount on File
Deed Document Number	20092241406
Deed Book / Page	224 / 1406
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	41 STEPHEN DR, ENGLEWOOD CLIFFS, NJ 07632-2229
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046490028
Date	Apr 11, 2022
Book Page	4649/28
Instrument	2022040965

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2037

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	41 STEPHEN DR, ENGLEWOOD CLIFFS, NJ 07632-2229
Document Number	0028791976
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 29, 2018
Title Company	LIBERTY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 STEPHEN DR ENGLEWOOD CLIFFS NJ 076322229, ENGLEWOOD CLIFFS, NJ 07632-2229

Mortgage

Document Number	0028791976
Date	Mar 6, 2018
Book Page	002879/001976

Lender

Name	CITIZENS BK/PA
Type	Bank
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 5, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 41 Stephen Dr was $31,013, up 0.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,662,100 (-) Land $1,060,000 Building $1,602,100	$2,662,100 (-) Land $1,060,000 Building $1,602,100
2025	$31,013.00 (+0.87%)	$2,662,100 Land $1,060,000 Building $1,602,100	$2,662,100 Land $1,060,000 Building $1,602,100
2024	$30,747.00
2023		$2,662,100 Land $1,060,000 Building $1,602,100	$2,662,100 Land $1,060,000 Building $1,602,100
2022	$29,895.00

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

Flood

FEMA maps place 41 Stephen Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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 Claims	1 (1980)
Most Recent Claim	Oct 1980 · tidal / storm surge

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

Wildfire risk around 41 Stephen Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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