Bergen County and Fairview Borough property record for 438 Cliff St, Fairview, NJ 07022
| Property Type | Single Family Home |
|---|---|
| Details | 1,460 sqft · built 1906 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $700,000 (Apr 2025) |
| Tax Bill | $9,102 (2025) |
| Deeds & Mortgages | Dec 2022 Second Mortgage Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00303-0000-00002-01 |
| Primary APN | 18-00303-0000-00002-01 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,460 sqft Living Area |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 438 CLIFF ST |
|---|---|
| City | FAIRVIEW |
| State | NJ |
| Zip | 07022-1246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | 25X100 |
| Legal Subdivision | BOROUGH/FAIRVIEW |
| Legal Block | 303 |
| Legal Lot Number | 2.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FAIRVIEW |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 18200 |
Source: Bergen County and Fairview Borough records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 438 CLIFF ST, FAIRVIEW, NJ 07022-1246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 6, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage XCEL FCU |
| Mar 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2025 · Amount on Record |
| Deed Sale | Apr 24, 2025 · Amount on Record |
| Prior Sale | Dec 11, 2008 · Amount on Record |
| Deed Document Number | 202529219 |
| Deed Book / Page | 5488 / 47 |
| Prior Transfer Date | Oct 25, 2010 |
| Prior Transfer Doc | 0016070749 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 438 CLIFF ST, FAIRVIEW, NJ 07022-1246 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0048760644 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 4876/644 |
| Instrument | 2022112673 |
| Name | XCEL FCU |
|---|---|
| Type | Credit Union |
| Address | BLOOMFIELD, NJ 07003 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Oct 20, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 438 CLIFF ST, FAIRVIEW, NJ 07022-1246 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0046210322 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 4621/322 |
| Instrument | 2022032203 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 1, 2042 |
Source: Bergen County and Fairview Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Fairview Borough |
| Unified School District | Fairview Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $464,400 (+16.07%) Land $200,000 Building $264,400 | $464,400 (+16.07%) Land $200,000 Building $264,400 | |
| 2025 | $9,102.00 (+0.66%) | $400,100 (+4.88%) Land $186,000 Building $214,100 | $400,100 (+4.88%) Land $186,000 Building $214,100 |
| 2024 | $9,042.00 (+10.77%) | ||
| 2023 | $381,500 Land $180,000 Building $201,500 | $381,500 Land $180,000 Building $201,500 | |
| 2022 | $8,163.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 799 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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