Bergen County and Closter Borough property record for 495 High St, Closter, NJ 07624
| Property Type | Single Family Home |
|---|---|
| Details | 1,694 sqft · built 1954 |
| Lot Size | 0.379 acres (16,501 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,910,000 (Jul 2025) |
| Tax Bill | $13,972 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jul 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-01701-0000-00007 |
| Primary APN | 07-01701-0000-00007 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,694 sqft Living Area |
| 1st Floor Area | 1,694 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Frame |
| Lot Area | 16,501 sqft (0.379 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| Account Number | 006160 |
|---|---|
| Street Address | 495 HIGH ST |
| City | CLOSTER |
| State | NJ |
| Zip | 07624-2603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICTN |
| Legal Description | L17-18 100X165 |
| Legal Subdivision | CLOSTER |
| Legal Block | 1701 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CLOSTER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 7002 |
Source: Bergen County and Closter Borough records · APN 07-01701-0000-00007
Assessment roll updated June 29, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 495 HIGH ST, CLOSTER, NJ 07624-2603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 08, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jul 15, 2025 | Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 2025 · Amount on Record |
| Deed Sale | Jul 15, 2025 · Amount on Record |
| Prior Sale | Jun 19, 2024 · Amount on Record |
| Deed Document Number | 202548099 |
| Deed Book / Page | 5550 / 1342 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 495 HIGH ST, CLOSTER, NJ 07624-2603 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 495 HIGH ST, CLOSTER, NJ 07624-2603 |
| Document Number | 0056700241 |
|---|---|
| Date | Dec 08, 2025 |
| Book Page | 5670/241 |
| Instrument | 2025084785 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Dec 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.2% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 15, 2025 |
| Property Address | 495 HIGH ST, CLOSTER, NJ 07624-2603 |
| Document Number | 0055501342 |
| Book / Page | 5550 / 1342 |
| Instrument Date | May 14, 2025 |
| Instrument | 2025048099 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | MEISTER ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $39,686.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 DUANE LN, DEMAREST, NJ 07627-1305 |
| Name | Verified Name |
|---|---|
| Address | 195 HIGH STREET, DEMAREST, NJ 07627 |
| Document Number | 2025048100 |
|---|---|
| Date | Jul 15, 2025 |
| Instrument | 2025048100 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jun 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11% |
| Index | SOFR Average 30-Day |
| Max Rate | 11% |
Source: Bergen County and Closter Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| 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) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,626,400 (+141.2%) Land $555,000 Building $1,071,400 | $1,626,400 (+141.2%) Land $555,000 Building $1,071,400 | |
| 2025 | $13,972.00 (+8.82%) | $674,300 (+18.17%) Land $475,000 Building $199,300 | $674,300 (+18.17%) Land $475,000 Building $199,300 |
| 2024 | $12,840.00 (+4.72%) | ||
| 2023 | $570,600 Land $386,300 Building $184,300 | $570,600 Land $386,300 Building $184,300 | |
| 2022 | $12,261.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (2011–2021) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 234 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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