413 Main St, Emerson, NJ 07630 Property Records

Bergen County and Emerson Borough property record for 413 Main St, Emerson, NJ 07630

Property Summary

Property Type	Single Family Home
Details	861 sqft · built 1953
Lot Size	0.151 acres (6,586 sqft)
Owner	Individual on Record
Last Sale	$227,000 (Jun 2017)
Tax Bill	$8,252 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-01303-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`14-01303-0000-00002`
Alternative APNs	`140130300002` `025548`

Interior

Stories	1 Story
Building Area	861 sqft Living Area
1st Floor Area	861 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Frame
Lot Area	6,586 sqft (0.151 acres)
Lot Dimensions	108 ft deep x 61 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	025548
Street Address	413 MAIN ST
City	EMERSON
State	NJ
Zip	07630-1370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R225
Legal Description	61X108 2LT
Legal Subdivision	LAKEWOOD ESTATES
Legal Block	1303
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	EMERSON
Census Block Group	1
Census Block	1001
Census Tract	14000

Owner

Source: Bergen County and Emerson Borough assessment roll, 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 on Record
Mailing Address	413 MAIN ST, EMERSON, NJ 07630-1370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOTAL MTG SVCS
Mar 12, 2018	Deed of Trust, Mortgage · Conventional with PMI TOTAL MTG SVCS
Mar 12, 2018	Deed of Trust, Mortgage · Conventional with PMI TOTAL MTG SVCS
Jun 27, 2017	Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2017 · Amount on Record
Deed Sale	Jun 27, 2017 · Amount on Record
Deed Document Number	201748607
Deed Book / Page	2650 / 520
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	413 MAIN ST, EMERSON, NJ 07630-1370
Document Number	0036990756
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	CROSS COUNTRY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MAIN ST EMERSON NJ 076301370, EMERSON, NJ 07630-1370

Mortgage

Document Number	0036990756
Date	Sep 10, 2020
Book Page	003699/000756
Instrument	83351

Lender

Name	TOTAL MTG SVCS
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	413 MAIN ST, EMERSON, NJ 07630-1370
Document Number	0029180119
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	BUILDERS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MAIN ST EMERSON NJ 076301370, EMERSON, NJ 07630-1370

Mortgage

Document Number	0029180119
Date	Apr 20, 2018
Book Page	002918/000119
Instrument	27563

Lender

Name	TOTAL MTG SVCS
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	413 MAIN ST, EMERSON, NJ 07630-1370
Document Number	0029161382
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	BUILDERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MAIN ST EMERSON NJ 076301370, EMERSON, NJ 07630-1370

Mortgage

Document Number	0029161382
Date	Apr 19, 2018
Book Page	002916/001382
Instrument	27100

Lender

Name	TOTAL MTG SVCS
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2048

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 27, 2017
Property Address	413 MAIN ST, EMERSON, NJ 07630-1370
Document Number	0026500520
Book / Page	02650 / 0520
Instrument Date	Jun 14, 2017
Instrument	17-048607
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,145.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 MAIN ST, 413, EMERSON, NJ 07630-1370

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MAIN ST, EMERSON, NJ 07630-1370

Mortgage

Document Number	0026500527
Date	Jun 27, 2017
Book Page	02650/0527
Instrument	17-048607.01

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$241,300 (-) Land $175,000 Building $66,300	$241,300 (-) Land $175,000 Building $66,300
2025	$8,252.00 (+3.54%)	$241,300 (-) Land $175,000 Building $66,300	$241,300 (-) Land $175,000 Building $66,300
2024	$7,970.00 (+9.09%)
2023		$241,300 Land $175,000 Building $66,300	$241,300 Land $175,000 Building $66,300
2022	$7,306.00

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	4 in force
Nearby Flood Claims	7 (1984–2021)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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