490 Riverside Ter, Rutherford, NJ 07070 Property Records

Bergen County and Rutherford Borough property record for 490 Riverside Ter, Rutherford, NJ 07070

Property Summary

Property Type	Single Family Home
Details	1,608 sqft · built 1955
Lot Size	0.141 acres (6,120 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Jul 2007)
Tax Bill	$11,837 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`56-00011-0000-00047`

Property Details

APN / Parcel Number

Primary APN	`56-00011-0000-00047`
Alternative APNs	`5600011000000046B` `560001100047`

Interior

Stories	1 Story
Building Area	1,608 sqft Living Area
1st Floor Area	1,608 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	6,120 sqft (0.141 acres)
Lot Dimensions	120 ft deep x 51 ft wide
Garage Type	Detached

Location & Zoning

Old Parcel Number	5600011000000046B
Street Address	490 RIVERSIDE TER
City	RUTHERFORD
State	NJ
Zip	07070-2616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	51X120
Legal Subdivision	LILLIAN WESTPHAL
Legal Block	11
Legal Lot Number	47
Jurisdiction	BERGEN NJ
Township / Civil Division	RUTHERFORD
Census Block Group	2
Census Block	2004
Census Tract	51200

Owner

Source: Bergen County and Rutherford 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	490 RIVERSIDE TER, RUTHERFORD, NJ 07070-2616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage ST FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2007 · Amount on Record
Deed Sale	Jul 17, 2007 · Amount on Record
Prior Sale	Feb 26, 2002 · Amount on Record
Deed Document Number	200780513
Deed Book / Page	9358 / 417
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	490 RIVERSIDE TER, RUTHERFORD, NJ 07070-2616
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041920666
Date	Jun 7, 2021
Book Page	4192/666
Instrument	2021090374

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	490 RIVERSIDE TER, RUTHERFORD, NJ 07070-2616
Document Number	0027080164
Book / Page	002708 / 000164
Instrument Date	Jul 25, 2017
Transaction Type	Mortgage
Record Updated	Sep 8, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 RIVERSIDE TER RUTHERFORD NJ 070702616, RUTHERFORD, NJ 07070-2616

Mortgage

Document Number	0027080164
Date	Aug 29, 2017
Book Page	002708/000164

Lender

Name	ST FIN
Type	Funding / Finance Company
Address	LAGUNA HILLS, CA 92653

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$369,900 (-) Land $235,600 Building $134,300	$369,900 (-) Land $235,600 Building $134,300
2025	$11,837.00 (+2.54%)	$369,900 (-) Land $235,600 Building $134,300	$369,900 (-) Land $235,600 Building $134,300
2024	$11,544.00 (+5.12%)
2023		$369,900 Land $235,600 Building $134,300	$369,900 Land $235,600 Building $134,300
2022	$10,982.00

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 individual policies
Nearby Flood Policies	65 units insured incl. 32 condo units
Nearby Flood Claims	181 (1984–2021)
Claims Outside the SFHA	35 of 181
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Sandy, Oct 2012 · 39 claims Hurricane Irene, Aug 2011 · 42 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 29 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 99.1% of the US · lower than 97.3% 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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