Bergen County and Fairview Borough property record for 440 Cliff St, Fairview, NJ 07022
| Property Type | Single Family Home |
|---|---|
| Details | 1,050 sqft · built 1988 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $520,000 (Apr 2024) |
| Tax Bill | $10,613 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Aug 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00303-0000-00002-02 |
| Primary APN | 18-00303-0000-00002-02 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,050 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Street Address | 440 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 | 2.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FAIRVIEW |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 18200 |
440 Cliff St is owned and occupied by an individual who bought it in April 2024.
Source: Bergen County and Fairview Borough records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 440 CLIFF ST, FAIRVIEW, NJ 07022-1246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Apr 25, 2024 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 6, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2024 · Amount on File |
| Deed Sale | Apr 25, 2024 · Amount on File |
| Deed Document Number | 202423784 |
| Deed Book / Page | 5223 / 127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 25, 2024 |
| Property Address | 440 CLIFF ST, FAIRVIEW, NJ 07022-1246 |
| Document Number | 0052230127 |
| Book / Page | 5223 / 127 |
| Instrument Date | Apr 1, 2024 |
| Instrument | 2024023784 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2024 |
| Title Company | NOT AVAILABLE, IMPERIUM TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,011.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30 SALISBURY CT, TOMS RIVER, NJ 08757-4705 |
| Name | Verified Name |
|---|---|
| Address | 440 CLIFF ST, FAIRVIEW, NJ 07022-1246 |
| Document Number | 2024023785 |
|---|---|
| Date | Apr 25, 2024 |
| Instrument | 2024023785 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 440 CLIFF ST, FAIRVIEW, NJ 07022-1246 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|
| Document Number | 0043180761 |
|---|---|
| Date | Aug 6, 2021 |
| Book Page | 4318/761 |
| Instrument | 2021127424 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 19, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 440 Cliff St was $10,613, up 24% from the year before.
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 | $507,600 (+8.81%) Land $200,000 Building $307,600 | $507,600 (+8.81%) Land $200,000 Building $307,600 | |
| 2025 | $10,613.00 (+24.01%) | $466,500 Land $186,000 Building $280,500 | $466,500 Land $186,000 Building $280,500 |
| 2024 | $8,558.00 | ||
| 2023 | $363,100 Land $180,000 Building $183,100 | $363,100 Land $180,000 Building $183,100 | |
| 2022 | $7,500.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Cliff St in Zone X, an area of minimal flood risk.
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.
The area around 440 Cliff St has no burnable land within ember reach, so its wildfire risk is not rated.
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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