5 Smithfield Ter, Waldwick, NJ 07463 Property Records

Bergen County and Waldwick Borough property record for 5 Smithfield Ter, Waldwick, NJ 07463

Property Summary

Property Type	Single Family Home
Details	1,816 sqft · built 1959
Lot Size	0.581 acres (25,317 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Feb 2010)
Tax Bill	$15,161 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64-00134-04-00006`

Property Details

APN / Parcel Number

Primary APN	`64-00134-04-00006`
Alternative APNs	`6400134000400006` `6400134D00006`

Interior

Stories	1 Story
Building Area	1,816 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Cape Cod
Exterior Material	Frame
Construction Type	Frame
Lot Area	25,317 sqft (0.581 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	6400134D00006
Street Address	5 SMITHFIELD TER
City	WALDWICK
State	NJ
Zip	07463-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	115XIRR 7LT
Legal Subdivision	SMITHFIELD ESTATES SEC #2
Legal Block	134
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	WALDWICK
Census Block Group	3
Census Block	3021
Census Tract	56200

Owner

Source: Bergen County and Waldwick Borough records, as of October 13, 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 Record
Mailing Address	5 SMITHFIELD TER, WALDWICK, NJ 07463-1414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2010 · Amount on Record
Deed Sale	Feb 10, 2010 · Amount on Record
Deed Book / Page	392 / 2307
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	5 SMITHFIELD TER, WALDWICK, NJ 07463-1414
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043100371
Date	Aug 3, 2021
Book Page	4310/371
Instrument	2021124836

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$660,600 (-) Land $378,700 Building $281,900	$660,600 (-) Land $378,700 Building $281,900
2025	$15,161.00 (+3.66%)	$660,600 (+25.47%) Land $378,700 Building $281,900	$660,600 (+25.47%) Land $378,700 Building $281,900
2024	$14,625.00 (-2.46%)
2023		$526,500 Land $330,500 Building $196,000	$526,500 Land $330,500 Building $196,000
2022	$14,994.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1999–2021)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Irene, Aug 2011 · 5 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 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 98% of the US · lower than 94% 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	WALDWICK WATER DEPT serves 10,208 people · EPA ID NJ0264001
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 400 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
AT&T Fixed Wireless	100 / 20