45 West St, Closter, NJ 07624 Property Records

Bergen County and Closter Borough property record for 45 West St, Closter, NJ 07624

Property Summary

Property Type	Single Family Home
Details	1,238 sqft · built 1924
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$368,500 (Feb 2016)
Tax Bill	$8,663 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`07-01104-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`07-01104-0000-00013`
Alternative APNs	`070110400013` `107150`

Interior

Stories	2 Stories
Building Area	1,238 sqft Living Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	125 ft deep x 121 ft wide

Location & Zoning

Account Number	107150
Street Address	45 WEST ST
City	CLOSTER
State	NJ
Zip	07624-1234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	0.30 AC
Legal Subdivision	CLOSTER
Legal Block	1104
Legal Lot Number	13
Jurisdiction	BERGEN NJ
Township / Civil Division	CLOSTER
Census Block Group	2
Census Block	2017
Census Tract	7001

Owner

Source: Bergen County and Closter Borough 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	Individual Name on Record
Mailing Address	45 WEST ST, CLOSTER, NJ 07624-1234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2016 · Amount on Record
Deed Sale	Feb 8, 2016 · Amount on Record
Prior Sale	Jan 29, 2003 · Amount on Record
Deed Document Number	201610881
Deed Book / Page	2180 / 927
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	45 WEST ST, CLOSTER, NJ 07624-1234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036740630
Date	Aug 20, 2020
Book Page	3674/630
Instrument	20-075609

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Bergen County and Closter Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Closter Borough
Elementary School District	Closter Borough School District (KG - 08)
Secondary School District	Northern Valley Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$428,500 (+2.49%) Land $322,400 Building $106,100	$428,500 (+2.49%) Land $322,400 Building $106,100
2025	$8,663.00 (+1.85%)	$418,100 (+6.2%) Land $326,900 Building $91,200	$418,100 (+6.2%) Land $326,900 Building $91,200
2024	$8,506.00 (+1.29%)
2023		$393,700 Land $309,400 Building $84,300	$393,700 Land $309,400 Building $84,300
2022	$8,398.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	35 (1979–2021)
Claims Outside the SFHA	7 of 35
Most Recent Claim	Oct 2021 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 6 claims Hurricane Irene, Aug 2011 · 4 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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 95% of the US · lower than 87% 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	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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300