Bergen County and Oradell Borough property record for 44 Elizabeth St, Oradell, NJ 07649
| Property Type | Single Family Home |
|---|---|
| Details | 1,968 sqft · built 1959 |
| Lot Size | 0.22 acres (9,601 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $727,000 (Mar 2023) |
| Tax Bill | $18,133 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Mar 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-00102-0000-00005 |
| Primary APN | 44-00102-0000-00005 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,968 sqft Living Area |
| 1st Floor Area | 1,968 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Lot Area | 9,601 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 095400 |
|---|---|
| Street Address | 44 ELIZABETH ST |
| City | ORADELL |
| State | NJ |
| Zip | 07649-2650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | 80X120 |
| Legal Subdivision | ORADELL GARDENS |
| Legal Block | 102 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ORADELL |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 40002 |
44 Elizabeth St is owned and occupied by two individuals who bought it in March 2023.
Source: Bergen County and Oradell Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 ELIZABETH ST, ORADELL, NJ 07649-2650 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Mar 28, 2023 | Deed, Transfer · FHA Mortgage OMEGA FINANCIAL SERVICES INC |
| Jan 12, 2023 | Deed of Trust, Mortgage · Line of Credit COLUMBIA BANK |
| May 24, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2023 · Amount on File |
| Deed Sale | Mar 28, 2023 · Amount on File |
| Deed Document Number | 202321476 |
| Deed Book / Page | 4960 / 236 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 13, 2026 |
| Property Address | 44 ELIZABETH ST, ORADELL, NJ 07649-2650 |
| Document Number | 0000024023 |
| Book / Page | 5769 / 936 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 202624023 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 44 ELIZABETH ST, ORADELL, NJ 07649-2650 |
| Document Number | 0000024023, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 5769/936 |
| Instrument | 202624023 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Mar 30, 2051 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 28, 2023 |
| Property Address | 44 ELIZABETH ST, ORADELL, NJ 07649-2650 |
| Document Number | 0049600236 |
| Book / Page | 4960 / 236 |
| Instrument Date | Mar 17, 2023 |
| Instrument | 2023021476 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2023 |
| Title Company | TITLE PROTECTION INC, TITLE PROTECTION GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,078.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6715 CORAL LAKE DR, MARGATE, FL 33063-5868 |
| Name | Verified Name |
|---|---|
| Address | 44 ELIZABETH ST, ORADELL, NJ 07649-2650 |
| Document Number | 2023021477 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 2023021477 |
| Name | OMEGA FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 ELIZABETH ST, ORADELL, NJ 07649-2650 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0049040124 |
|---|---|
| Date | Jan 12, 2023 |
| Book Page | 4904/124 |
| Instrument | 2023003564 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 ELIZABETH ST, ORADELL, NJ 07649-2650 |
| Document Number | 0029732206 |
| Instrument Date | May 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2018 |
| Title Company | SOUTHWEST FINANCIAL |
| Name | Verified Name |
|---|---|
| Address | 44 ELIZABETH ST ORADELL NJ 076492650, ORADELL, NJ 07649-2650 |
| Document Number | 0029732206 |
|---|---|
| Date | Jun 22, 2018 |
| Book Page | 002973/002206 |
| Instrument | 43697 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 44 Elizabeth St was $18,133, up 5.2% from the year before.
Source: Bergen County and Oradell Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Oradell Borough |
| Elementary School District | Oradell Borough School District (KG - 06) |
| Secondary School District | River Dell Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $827,300 (+4.71%) Land $428,400 Building $398,900 | $827,300 (+4.71%) Land $428,400 Building $398,900 | |
| 2025 | $18,133.00 (+5.16%) | $790,100 Land $402,900 Building $387,200 | $790,100 Land $402,900 Building $387,200 |
| 2024 | $17,244.00 | ||
| 2023 | $625,700 Land $288,400 Building $337,300 | $625,700 Land $288,400 Building $337,300 | |
| 2022 | $15,748.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Elizabeth St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 | 3 in force |
| Nearby Flood Claims | 3 (1979–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 44 Elizabeth St 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 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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.
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 507 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 | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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