Bergen County and Garfield City property record for 45 Prospect St, Garfield, NJ 07026
| Property Type | Single Family Home |
|---|---|
| Details | 1,662 sqft · built 2007 |
| Lot Size | 0.214 acres (9,322 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Aug 2014) |
| Tax Bill | $11,571 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00149-02-00058-02-C0002 |
| Primary APN | 21-00149-02-00058-02-C0002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,662 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 9,322 sqft (0.214 acres) |
| Street Address | 45 PROSPECT ST, 2 |
|---|---|
| City | GARFIELD |
| State | NJ |
| Zip | 07026-2583 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 9321 SF |
| Legal Subdivision | 49 PROSPECT STREET |
| Legal Block | 149 |
| Legal Lot Number | 58.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | GARFIELD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21102 |
45 Prospect St is owned by two individuals who bought it in August 2014.
Source: Bergen County and Garfield City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 PROSPECT ST, B, GARFIELD, NJ 07026-2583 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2014 · Amount on File |
| Deed Sale | Aug 14, 2014 · Amount on File |
| Prior Sale | Jan 9, 2008 · Amount on File |
| Deed Document Number | 201453886 |
| Deed Book / Page | 1730 / 9 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 45 Prospect St was $11,571, up 4.3% from the year before.
Source: Bergen County and Garfield City assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Garfield City |
| Unified School District | Garfield City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $332,600 (-) Land $75,800 Building $256,800 | $332,600 (-) Land $75,800 Building $256,800 | |
| 2025 | $11,571.00 (+4.25%) | $332,600 Land $75,800 Building $256,800 | $332,600 Land $75,800 Building $256,800 |
| 2024 | $11,099.00 | ||
| 2023 | $332,600 Land $75,800 Building $256,800 | $332,600 Land $75,800 Building $256,800 | |
| 2022 | $10,373.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Prospect 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 45 Prospect 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 | 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 |
| 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.
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.
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