446 Cedar Ln, River Vale (Westwood), NJ 07675 Property Records

Bergen County and River Vale Township property record for 446 Cedar Ln, River Vale, NJ 07675

Property Summary

Property Type	Single Family Home
Details	2,160 sqft · built 1964
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Mar 2005)
Tax Bill	$18,333 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`53-01301-0000-00055`

Property Details

APN / Parcel Number

Primary APN	`53-01301-0000-00055`
Alternative APNs	`530130100055` `085050`

Interior

Stories	2 Stories
Building Area	2,160 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Lot Area	43,124 sqft (0.99 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	085050
Street Address	446 CEDAR LN
City	RIVER VALE
State	NJ
Zip	07675-5586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	.99 ACRES
Legal Block	1301
Legal Lot Number	55
Jurisdiction	BERGEN NJ
Township / Civil Division	RIVER VALE
Census Block Group	1
Census Block	1004
Census Tract	49002

Owner

Source: Bergen County and River Vale Township records, as of June 29, 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	446 CEDAR LN, RIVER VALE, NJ 07675-5586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROSPERITY HOME MORTGAGE LLC
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage TITAN MUTUAL LENDING INC
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2005 · Amount on Record
Deed Sale	Mar 17, 2005 · Amount on Record
Prior Sale	Jun 11, 1999 · Amount on Record
Deed Book / Page	8791 / 331
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	446 CEDAR LN, RIVER VALE, NJ 07675-5586
Transaction Type	Mortgage
Record Updated	Jun 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049991679
Date	May 23, 2023
Book Page	4999/1679
Instrument	2023034272

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Type Change Date	Jul 1, 2024
Change Frequency	6 Months
Min Rate At Change	4.99%
Max Rate At Change	12.7%
Index	Other
Max Rate	15.7%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	446 CEDAR LN, RIVER VALE, NJ 07675-5586
Transaction Type	Mortgage
Record Updated	Mar 17, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045491747
Date	Jan 24, 2022
Book Page	4549/1747
Instrument	2022009937

Lender

Name	TITAN MUTUAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 1, 2041

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	446 CEDAR LN, RIVER VALE, NJ 07675-5586
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SUNNYSIDE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036390702
Date	Jul 10, 2020
Book Page	3639/702
Instrument	20-064368

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Jul 1, 2042

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	446 CEDAR LN, RIVER VALE, NJ 07675-5586
Document Number	0028881928
Instrument Date	Mar 5, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2018
Title Company	TITLE 365- NLSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CEDAR LN RIVER VALE NJ 076755586, RIVER VALE, NJ 07675-5586

Mortgage

Document Number	0028881928
Date	Mar 23, 2018
Book Page	002888/001928

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

Tax Assessment & Valuation

Source: Bergen County and River Vale Township assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
County Subdivision	River Vale Township
Secondary School District	Pascack Valley Regional School District (09 - 12)
Elementary School District	River Vale Township School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$654,500 (-) Land $393,700 Building $260,800	$654,500 (-) Land $393,700 Building $260,800
2025	$18,333.00 (+2.57%)	$654,500 (-) Land $393,700 Building $260,800	$654,500 (-) Land $393,700 Building $260,800
2024	$17,874.00 (+3.25%)
2023		$654,500 Land $393,700 Building $260,800	$654,500 Land $393,700 Building $260,800
2022	$17,311.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	8 (2007–2011)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 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

May also be available: T-Mobile.

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