Bergen County and Oradell Borough property record for 494 Prospect Ave, Oradell, NJ 07649
| Property Type | Single Family Home |
|---|---|
| Details | 2,193 sqft · built 1927 |
| Lot Size | 0.279 acres (12,162 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $15,702 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-00708-0000-00030 |
| Primary APN | 44-00708-0000-00030 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,193 sqft Living Area |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 12,162 sqft (0.279 acres) |
| Lot Dimensions | 152 ft deep x 80 ft wide |
| Account Number | 186900 |
|---|---|
| Street Address | 494 PROSPECT AVE |
| City | ORADELL |
| State | NJ |
| Zip | 07649-1426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 80X152 |
| Legal Block | 708 |
| Legal Lot Number | 30 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ORADELL |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 40001 |
494 Prospect Ave is owned and occupied by two individuals.
Source: Bergen County and Oradell Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 494 PROSPECT AVE, ORADELL, NJ 07649-1426 |
| 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 |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 494 PROSPECT AVE, ORADELL, NJ 07649-1426 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE CONNECT INC |
| Name | Verified Name |
|---|
| Document Number | 0035520817 |
|---|---|
| Date | Mar 24, 2020 |
| Book Page | 3552/817 |
| Instrument | 20-032918 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 494 Prospect Ave was $15,702, up 10.7% from the year before.
Source: Bergen County and Oradell Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Oradell Borough |
| Elementary School District | Oradell Borough School District (KG - 06) |
| Secondary School District | River Dell Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $724,700 (+5.92%) Land $487,800 Building $236,900 | $724,700 (+5.92%) Land $487,800 Building $236,900 | |
| 2025 | $15,702.00 (+10.7%) | $684,200 Land $454,300 Building $229,900 | $684,200 Land $454,300 Building $229,900 |
| 2024 | $14,184.00 | ||
| 2023 | $518,600 Land $315,400 Building $203,200 | $518,600 Land $315,400 Building $203,200 | |
| 2022 | $13,260.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 494 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
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 | 8 (1979–2021) |
| Claims Outside the SFHA | 8 of 8 |
| 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 494 Prospect Ave is low, with less than 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 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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 | 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 325 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 | 980 / 880 |
May also be available: T-Mobile.
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