Bergen County and Dumont Borough property record for 428 Prospect Ave, Dumont, NJ 07628
| Property Type | Single Family Home |
|---|---|
| Details | 1,516 sqft · built 1956 |
| Lot Size | 0.194 acres (8,451 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $419,900 (Nov 2018) |
| Tax Bill | $11,995 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Nov 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00401-0000-00007 |
| Primary APN | 10-00401-0000-00007 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,516 sqft Living Area |
|---|
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Lot Area | 8,451 sqft (0.194 acres) |
| Lot Dimensions | 100 ft deep x 5 ft wide |
| Account Number | 132800 |
|---|---|
| Street Address | 428 PROSPECT AVE |
| City | DUMONT |
| State | NJ |
| Zip | 07628-1404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 84.5X100 |
| Legal Block | 401 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | DUMONT |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10300 |
428 Prospect Ave is owned and occupied by two individuals who bought it in November 2018.
Source: Bergen County and Dumont Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 PROSPECT AVE, DUMONT, NJ 07628-1404 |
| 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.
| Date | Document |
|---|---|
| Sep 18, 2019 | Deed of Trust, Mortgage · FHA Mortgage PLANET HM LNDG |
| Nov 15, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2018 · Amount on File |
| Deed Sale | Nov 15, 2018 · Amount on File |
| Prior Sale | Aug 2, 2013 · Amount on File |
| Deed Document Number | 201818-081466 |
| Deed Book / Page | 3109 / 1532 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 428 PROSPECT AVE, DUMONT, NJ 07628-1404 |
| Document Number | 0033860046 |
| Instrument Date | Sep 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | TITLE 365- NLSE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 428 PROSPECT AVE DUMONT NJ 076281404, DUMONT, NJ 07628-1404 |
| Document Number | 0033860046 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 003386/000046 |
| Instrument | 71758 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 15, 2018 |
| Property Address | 428 PROSPECT AVE, DUMONT, NJ 07628-1404 |
| Document Number | 0031091532 |
| Book / Page | 3109 / 1532 |
| Instrument Date | Nov 8, 2018 |
| Instrument | 00018-081466 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 PROSPECT AVE, DUMONT, NJ 07628-1404 |
The 2025 property tax bill for 428 Prospect Ave was $11,995, down 1% from the year before.
Source: Bergen County and Dumont Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Dumont Borough |
| Unified School District | Dumont Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $550,200 (+7.34%) Land $328,500 Building $221,700 | $550,200 (+7.34%) Land $328,500 Building $221,700 | |
| 2025 | $11,995.00 (-0.97%) | $512,600 Land $302,100 Building $210,500 | $512,600 Land $302,100 Building $210,500 |
| 2024 | $12,113.00 | ||
| 2023 | $298,000 Land $180,500 Building $117,500 | $298,000 Land $180,500 Building $117,500 | |
| 2022 | $11,571.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| 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 risk around 428 Prospect Ave is low, with less than 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 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 580 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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