540 Prospect Ave, Oradell, NJ 07649 Property Records

Bergen County and Oradell Borough property record for 540 Prospect Ave, Oradell, NJ 07649

Property Summary

Property Type	Single Family Home
Details	3,419 sqft · built 1927
Lot Size	0.854 acres (37,218 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Sep 2021)
Tax Bill	$22,144 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`44-00708-0000-00037`

Property Details

APN / Parcel Number

Primary APN	`44-00708-0000-00037`
Alternative APNs	`440070800037` `186200`

Interior

Stories	2 Stories
Building Area	3,419 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	37,218 sqft (0.854 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	186200
Street Address	540 PROSPECT AVE
City	ORADELL
State	NJ
Zip	07649-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.8544
Legal Block	708
Legal Lot Number	37
Jurisdiction	BERGEN NJ
Township / Civil Division	ORADELL
Census Block Group	2
Census Block	2011
Census Tract	40001

Owner

Source: Bergen County and Oradell Borough records, as of June 29, 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	540 PROSPECT AVE, ORADELL, NJ 07649-1426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 22, 2021	Intrafamily Transfer, Transfer FIRST BERGEN TITLE AGENCY LLC, FIRST BERGEN TITLE AGCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2021 · Amount on Record
Deed Sale	Sep 22, 2021 · Amount on Record
Deed Document Number	2021148576
Deed Book / Page	4387 / 1709
Prior Transfer Date	Sep 2, 2021
Prior Transfer Doc	0043871700
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 22, 2021
Property Address	540 PROSPECT AVE, ORADELL, NJ 07649-1426
Document Number	0043871709
Book / Page	4387 / 1709
Instrument Date	Sep 2, 2021
Instrument	2021148576
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIRST BERGEN TITLE AGENCY LLC, FIRST BERGEN TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	681 PARK AVE, 681, ORADELL, NJ 07649-2007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 PROSPECT AVE, ORADELL, NJ 07649-1426

Mortgage

Document Number	2021148577
Date	Sep 22, 2021
Instrument	2021148577

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Sep 22, 2021
Property Address	540 PROSPECT AVE, ORADELL, NJ 07649-1426
Document Number	0043871700
Book / Page	4387 / 1700
Instrument Date	Sep 2, 2021
Instrument	2021148575
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIRST BERGEN TITLE AGENCY LLC, FIRST BERGEN TITLE AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 PARK AVE, ORADELL, NJ 07649-2007

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,015,400 (+5.23%) Land $519,700 Building $495,700	$1,015,400 (+5.23%) Land $519,700 Building $495,700
2025	$22,144.00 (+2.42%)	$964,900 (+22.02%) Land $481,400 Building $483,500	$964,900 (+22.02%) Land $481,400 Building $483,500
2024	$21,621.00 (+6.89%)
2023		$790,800 Land $363,500 Building $427,300	$790,800 Land $363,500 Building $427,300
2022	$20,228.00

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
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	Remnants Of Hurricane Ida, Sep 2021 · 2 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 94% of the US · lower than 85% 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	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

Violations Reported to EPA

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.

Internet Providers

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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