Essex County and Fairfield Township property record for 46 Cheri Ln, Fairfield, NJ 07004
| Property Type | Single Family Home |
|---|---|
| Details | 2,621 sqft · built 1976 |
| Lot Size | 0.342 acres (14,902 sqft) |
| Owner | Individual Name on File |
| Last Sale | $480,000 (Oct 2001) |
| Tax Bill | $14,827 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-03901-0000-00024 |
| Primary APN | 07-03901-0000-00024 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,621 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Frame |
| Lot Area | 14,902 sqft (0.342 acres) |
| Lot Dimensions | 149 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 00001723 |
|---|---|
| Street Address | 46 CHERI LN |
| City | FAIRFIELD |
| State | NJ |
| Zip | 07004-1838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 100X149 |
| Legal Subdivision | OAK PARK ESTATES |
| Legal Block | 3901 |
| Legal Lot Number | 24 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | FAIRFIELD |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 21601 |
46 Cheri Ln is owned and occupied by an individual who bought it in October 2001.
Source: Essex County and Fairfield Township records, as of July 2, 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 | 46 CHERI LN, FAIRFIELD, NJ 07004-1838 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2024 | Deed of Trust, Mortgage · Line of Credit VISIONS FCU |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MTG |
| Jul 26, 2019 | Deed of Trust, Mortgage · Conventional with PMI BOND STREET MTG |
| Dec 21, 2018 | Grant Deed, Transfer · Conventional Mortgage BOND STREET MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2001 · Amount on File |
| Deed Sale | Oct 25, 2001 · Amount on File |
| Prior Sale | Mar 12, 1992 |
| Deed Book / Page | 5836 / 719 |
| Prior Transfer Date | Mar 2, 1992 |
| Prior Transfer Doc | 5205000119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 46 CHERI LN, FAIRFIELD, NJ 07004-1838 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2024 |
| Title Company | BESPOKE TITLE AND SETTLEMENT SERVICES LLC, BESPOKE TTL & STLMT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 46 CHERI LN, FAIRFIELD, NJ 07004-1838 |
| Document Number | 0000016745 |
|---|---|
| Date | Mar 21, 2024 |
| Instrument | 2024016745 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 25, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 46 CHERI LN, FAIRFIELD, NJ 07004-1838 |
| Document Number | 0000124110 |
| Instrument Date | Nov 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2021 |
| Title Company | ATLANTIC TITLE AND SETTLEMENT SV, ATLANTIC TITLE & SETTLEMENT SV |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 46 CHERI LN FAIRFIELD NJ 070041838, FAIRFIELD, NJ 07004-1838 |
| Document Number | 0000124110 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 124110 |
| Name | BOND STREET MTG |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 46 CHERI LN, FAIRFIELD, NJ 07004-1838 |
| Document Number | 0000073619 |
| Instrument Date | Jul 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46 CHERI LN FAIRFIELD NJ 070041838, FAIRFIELD, NJ 07004-1838 |
| Document Number | 0000073619 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | 73619 |
| Name | BOND STREET MTG |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 6, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Dec 21, 2018 |
| Property Address | 46 CHERI LN, FAIRFIELD, NJ 07004-1838 |
| Document Number | 0000109193 |
| Instrument Date | Dec 14, 2018 |
| Instrument | 109193 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 CHERI LN FAIRFIELD NJ 070041838, FAIRFIELD, NJ 07004-1838 |
| Document Number | 110147 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 110147 |
| Name | BOND STREET MTG |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2048 |
The 2025 property tax bill for 46 Cheri Ln was $14,827, down 2.6% from the year before.
Source: Essex County and Fairfield Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Fairfield Township |
| Elementary School District | Fairfield Township School District (KG - 06) |
| Secondary School District | West Essex Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $712,500 (-) Land $332,100 Building $380,400 | $712,500 (-) Land $332,100 Building $380,400 | |
| 2025 | $14,827.00 (-2.58%) | $712,500 Land $332,100 Building $380,400 | $712,500 Land $332,100 Building $380,400 |
| 2024 | $15,219.00 | ||
| 2023 | $712,500 Land $332,100 Building $380,400 | $712,500 Land $332,100 Building $380,400 | |
| 2022 | $14,271.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Cheri Ln in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · 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 |
| Flood Insurance Cost | Premium on File median of 81 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 81 in force |
| Nearby Flood Claims | 14 (1978–2021) |
| Claims Outside the SFHA | 3 of 14 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 46 Cheri Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FAIRFIELD WATER DEPT serves 7,400 people · EPA ID NJ0707001 |
|---|---|
| Water Source | Purchased surface water from PASSAIC VALLEY WATER COMMISSION |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 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 344 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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