44 Stephens St, Belleville, NJ 07109 Property Records

Essex County and Belleville Township property record for 44 Stephens St, Belleville, NJ 07109

Property Summary

Property Type	Single Family Home
Details	1,601 sqft · built 1897
Lot Size	0.055 acres (2,400 sqft)
Owner	Company Name on File
Last Sale	$250,000 (Aug 2020)
Tax Bill	$8,310 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-09405-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`01-09405-0000-00003`
Alternative APNs	`010001300004` `00000077`

Interior

Stories	2 Stories
Building Area	1,601 sqft Living Area

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Construction Type	Frame
Lot Area	2,400 sqft (0.055 acres)
Lot Dimensions	96 ft deep x 25 ft wide

Location & Zoning

Account Number	00000077
Street Address	44 STEPHENS ST
City	BELLEVILLE
State	NJ
Zip	07109-3115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X96.04
Legal Block	9405
Legal Lot Number	3
Jurisdiction	ESSEX NJ
Township / Civil Division	BELLEVILLE
Census Block Group	3
Census Block	3009
Census Tract	14400

Owner

44 Stephens St is owned by a company that bought it in August 2020.

Source: Essex County and Belleville Township records, as of July 2, 2026

Owner of Record	Company Name on File
Mailing Address	44 STEPHENS ST, BELLEVILLE, NJ 07109-3115
Owner Type	Company

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
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME PT FIN'L
Aug 17, 2020	Grant Deed, Transfer · Conventional with PMI HOME PT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2020 · Amount on File
Deed Sale	Aug 17, 2020 · Amount on File
Deed Document Number	202078674
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	44 STEPHENS ST, BELLEVILLE, NJ 07109-3115
Document Number	0000123226
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	ELITE TITLE GROUP LLC, ELITE TITLE GRP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 STEPHENS ST BELLEVILLE NJ 071093115, BELLEVILLE, NJ 07109-3115

Mortgage

Document Number	0000123226
Date	Dec 9, 2020
Instrument	123226

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2050

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Aug 17, 2020
Property Address	44 STEPHENS ST, BELLEVILLE, NJ 07109-3115
Document Number	0000078674
Instrument Date	Jul 29, 2020
Instrument	78674
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	NTC - KEY W

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 STEPHENS ST BELLEVILLE NJ 071093115, BELLEVILLE, NJ 07109-3115

Mortgage

Document Number	78681
Date	Aug 17, 2020
Instrument	78681

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 44 Stephens St was $8,310, up 3.1% from the year before.

Source: Essex County and Belleville Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Belleville Township
Unified School District	Belleville Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,900 (-) Land $67,300 Building $132,600	$199,900 (-) Land $67,300 Building $132,600
2025	$8,310.00 (+3.09%)	$199,900 Land $67,300 Building $132,600	$199,900 Land $67,300 Building $132,600
2024	$8,061.00
2023		$199,900 Land $67,300 Building $132,600	$199,900 Land $67,300 Building $132,600
2022	$7,698.00

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

Flood

FEMA maps place 44 Stephens St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	41 (1981–2024)
Claims Outside the SFHA	9 of 41
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 7 claims Hurricane Sandy, Nov 2012 · 13 claims Hurricane Irene, Aug 2011 · 9 claims

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 44 Stephens 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 99.1% of the US · lower than 97.3% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BELLEVILLE WATER DEPT serves 35,129 people · EPA ID NJ0701001
Water Source	Purchased surface water from NEWARK WATER DEPARTMENT
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Haloacetic acids resolved · Oct 2019 Total trihalomethanes resolved · Jul 2019 Treatment failure resolved · Oct 2016
Treatment and Procedure	Lead service line replacement currently in violation since Jul 2021 Corrosion control Jan 2023 Coliform corrective action Jan 2020
Monitoring and Reporting	19 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 580 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
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Optimum.

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