54 Terrace Pl, Kearny, NJ 07032 Property Records

Hudson County and Kearny Town property record for 54 Terrace Pl, Kearny, NJ 07032

Property Summary

Property Type	Single Family Home
Details	1,862 sqft · built 1950
Lot Size	73.9 acres (3,222,634 sqft)
Owner	2 Individual Names on File
Last Sale	$499,000 (Sep 2018)
Tax Bill	$16,033 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-00078-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`07-00078-0000-00012`
Alternative APN	`070007800012`

Interior

Stories	2 Stories
Building Area	1,862 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	3,222,634 sqft
Lot Dimensions	150 ft deep x 73.9 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	54 TERRACE PL
City	KEARNY
State	NJ
Zip	07032-1622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	78
Legal Lot Number	12
Jurisdiction	HUDSON NJ
Township / Civil Division	KEARNY
Census Block Group	2
Census Block	2000
Census Tract	12500

Owner

54 Terrace Pl is owned and occupied by two individuals who bought it in September 2018.

Source: Hudson County and Kearny Town records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	54 TERRACE PL, KEARNY, NJ 07032-1622
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTY SVGS BK
Sep 20, 2018	Grant Deed, Transfer · Conventional Mortgage CROSS CNTY SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2018 · Amount on File
Deed Sale	Sep 20, 2018 · Amount on File
Prior Sale	Dec 19, 2016 · Amount on File
Deed Document Number	201810104230
Deed Book / Page	9341 / 923
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUDSON NJ
Property Address	54 TERRACE PL, KEARNY, NJ 07032-1622
Document Number	0060079370
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	ELITE TITLE GROUP LLC, ELITE TITLE GRP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 TERRACE PL KEARNY NJ 070321622, KEARNY, NJ 07032-1622

Mortgage

Document Number	0060079370
Date	Jun 26, 2020
Book Page	019634/000738
Instrument	60079370

Lender

Name	CROSS CNTY SVGS BK
Type	Federal Savings Bank
Address	MIDDLE VILLAGE, NY 11379

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HUDSON NJ
Recording Date	Sep 20, 2018
Property Address	54 TERRACE PL, KEARNY, NJ 07032-1622
Document Number	0010104230
Book / Page	009341 / 000923
Instrument Date	Sep 13, 2018
Instrument	10104230
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$499.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 TERRACE PL KEARNY NJ 070321622, KEARNY, NJ 07032-1622

Mortgage

Document Number	60117740
Date	Sep 20, 2018
Book Page	019249/000986
Instrument	60117740

Lender

Name	CROSS CNTY SVGS BK
Type	Federal Savings Bank
Address	MIDDLE VILLAGE, NY 11379

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 54 Terrace Pl was $16,033, up 1.3% from the year before.

Source: Hudson County and Kearny Town assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Hudson County
Municipality	Kearny Town
Unified School District	Kearny Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$147,800 (-) Land $66,800 Building $81,000	$147,800 (-) Land $66,800 Building $81,000
2025	$16,033.00 (+1.33%)	$147,800 Land $66,800 Building $81,000	$147,800 Land $66,800 Building $81,000
2024	$15,822.00
2023		$147,800 Land $66,800 Building $81,000	$147,800 Land $66,800 Building $81,000
2022	$15,581.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 54 Terrace Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 16, 2006 · 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	1 in force

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

Wildfire risk around 54 Terrace Pl 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KEARNY WATER DEPARTMENT serves 41,664 people · EPA ID NJ0907001
Water Source	Purchased surface water from N.J.D.W.S.C. - WANAQUE NORTH
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2023
Monitoring and Reporting	1 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 394 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

May also be available: AT&T, Optimum.

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