Bergen County and Emerson Borough property record for 48 Cindy Ln, Emerson, NJ 07630
| Property Type | Single Family Home |
|---|---|
| Details | 2,064 sqft · built 1967 |
| Lot Size | 0.248 acres (10,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Feb 2014) |
| Tax Bill | $14,949 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-00905-0000-00007 |
| Primary APN | 14-00905-0000-00007 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,064 sqft Living Area |
| 1st Floor Area | 2,064 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Construction Type | Frame |
| Lot Area | 10,799 sqft (0.248 acres) |
| Lot Dimensions | 108 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 022069 |
|---|---|
| Street Address | 48 CINDY LN |
| City | EMERSON |
| State | NJ |
| Zip | 07630-1405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 100X108 4LT |
| Legal Subdivision | EMERSON GARDENS |
| Legal Block | 905 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | EMERSON |
| Census Block Group | 5 |
| Census Block | 5004 |
| Census Tract | 14000 |
48 Cindy Ln is owned and occupied by two individuals who acquired it in November 2015.
Source: Bergen County and Emerson Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 CINDY LN, EMERSON, NJ 07630-1405 |
| Occupancy | Owner Occupied |
| 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 | Feb 21, 2014 · Amount on File |
| Deed Sale | Feb 21, 2014 · Amount on File |
| Prior Sale | Jun 21, 2012 · Amount on File |
| Deed Document Number | 201411071 |
| Deed Book / Page | 1622 / 1826 |
| Last Transfer Date | Nov 23, 2015 |
| Transfer Doc | 0021462039 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 48 CINDY LN, EMERSON, NJ 07630-1405 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0056010559 |
|---|---|
| Date | Sep 16, 2025 |
| Book Page | 5601/559 |
| Instrument | 2025063647 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 21, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 48 Cindy Ln was $14,949, up 3.5% from the year before.
Source: Bergen County and Emerson Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Emerson Borough |
| Unified School District | Emerson Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $437,100 (-) Land $252,900 Building $184,200 | $437,100 (-) Land $252,900 Building $184,200 | |
| 2025 | $14,949.00 (+3.55%) | $437,100 Land $252,900 Building $184,200 | $437,100 Land $252,900 Building $184,200 |
| 2024 | $14,437.00 | ||
| 2023 | $437,100 Land $252,900 Building $184,200 | $437,100 Land $252,900 Building $184,200 | |
| 2022 | $13,235.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Cindy Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1978–1999) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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.
The area around 48 Cindy Ln 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 297 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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