Bergen County and Oradell Borough property record for 528 Mackay Ave, Oradell, NJ 07649
| Property Type | Single Family Home |
|---|---|
| Details | 2,760 sqft · built 1952 |
| Lot Size | 0.239 acres (10,402 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $18,837 (2025) |
| Deeds & Mortgages | Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-00107-0000-00044 |
| Primary APN | 44-00107-0000-00044 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,760 sqft Living Area |
| 1st Floor Area | 2,760 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Lot Area | 10,402 sqft (0.239 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Account Number | 091500 |
|---|---|
| Street Address | 528 MACKAY AVE |
| City | ORADELL |
| State | NJ |
| Zip | 07649-2657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | 80X130 |
| Legal Subdivision | ORADELL GARDENS |
| Legal Block | 107 |
| Legal Lot Number | 44 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ORADELL |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 40002 |
528 Mackay 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 | 528 MACKAY AVE, ORADELL, NJ 07649-2657 |
| 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 | 528 MACKAY AVE, ORADELL, NJ 07649-2657 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0025432163 |
|---|---|
| Date | Feb 23, 2017 |
| Book Page | 02543/2163 |
| Instrument | 17-017097 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Feb 3, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Change Frequency | Monthly |
The 2025 property tax bill for 528 Mackay Ave was $18,837 with a veteran's exemption, up 6.1% 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 | $859,000 (+4.65%) Land $434,000 Building $425,000 | $859,000 (+4.65%) Land $434,000 Building $425,000 | |
| 2025 | $18,837.00 (+6.11%) Veteran's exemption | $820,800 Land $408,500 Building $412,300 | $820,800 Land $408,500 Building $412,300 |
| 2024 | $17,753.00 | ||
| 2023 | $658,400 Land $294,000 Building $364,400 | $658,400 Land $294,000 Building $364,400 | |
| 2022 | $16,983.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 528 Mackay Ave in Zone X, an area of minimal flood risk, though there have been 3 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 | 3 in force |
| Nearby Flood Claims | 3 (1979–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 528 Mackay 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 507 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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