45 Main St, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 45 Main St, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	2,516 sqft · built 1930
Lot Size	0.153 acres (6,669 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2001)
Tax Bill	$12,949 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-00148-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`21-00148-0000-00013`
Alternative APNs	`210014800013` `004017`

Interior

Units	3 Units
Stories	1 Story
Building Area	2,516 sqft Living Area
1st Floor Area	2,516 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	6,669 sqft (0.153 acres)
Lot Dimensions	100 ft deep x 66 ft wide

Location & Zoning

Account Number	004017
Street Address	45 MAIN ST
City	GARFIELD
State	NJ
Zip	07026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	6667 SF 14-15
Legal Subdivision	PLAUDERVILLE
Legal Block	148
Legal Lot Number	13
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	2
Census Block	2006
Census Tract	21102

Owner

Source: Bergen County and Garfield City records, as of June 29, 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	2 Individual Names on Record
Mailing Address	24 UNION AVE, GARFIELD, NJ 07026-2670
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT BANK
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit POLISH & SLAVIC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2001 · Amount on Record
Deed Sale	Jul 27, 2001 · Amount on Record
Deed Book / Page	8387 / 75
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	45 MAIN ST, GARFIELD, NJ 07026
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	ELITE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025540599
Date	Mar 6, 2017
Book Page	02554/0599
Instrument	17-020238

Lender

Name	PROVIDENT BANK
Type	Subprime Lender
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2032

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	45 MAIN ST, GARFIELD, NJ 07026
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044090516
Date	Oct 7, 2021
Book Page	4409/516
Instrument	2021155207

Lender

Name	POLISH & SLAVIC FCU
Type	Credit Union
Address	FAIRFIELD, NJ 07004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	297 Months
Due	Jul 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Bergen County and Garfield City assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Garfield City
Unified School District	Garfield City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$372,200 (-) Land $138,300 Building $233,900	$372,200 (-) Land $138,300 Building $233,900
2025	$12,949.00 (+4.26%)	$372,200 (-) Land $138,300 Building $233,900	$372,200 (-) Land $138,300 Building $233,900
2024	$12,420.00 (+7%)
2023		$372,200 Land $138,300 Building $233,900	$372,200 Land $138,300 Building $233,900
2022	$11,608.00

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

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.

Wildfire

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.

Drinking Water

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

Water System	GARFIELD WATER DEPARTMENT serves 30,487 people · EPA ID NJ0221001
Water Source	Purchased surface water from PASSAIC VALLEY WATER COMMISSION
Last State Inspection	Nov 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 970 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.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures