540 River Dr, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 540 River Dr, Garfield, NJ 07026

Property Summary

Property Type	Commercial
Lot Size	3.37 acres (146,797 sqft)
Owner	Company Name on File
Last Sale	$2,550,000 (Nov 2000)
Tax Bill	$201,907 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`21-00111-0000-00001-06`

Property Details

APN / Parcel Number

Primary APN	`21-00111-0000-00001-06`
Alternative APN	`21001110000000010006`

Interior

Stories	1 Story

Exterior

Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	146,797 sqft (3.37 acres)

Location & Zoning

Street Address	540 RIVER DR
City	GARFIELD
State	NJ
Zip	07026
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	146797 SF
Legal Block	111
Legal Lot Number	1.06
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	5
Census Block	5001
Census Tract	21200

Owner

540 River Dr, a commercial property, is owned by a company that bought it in November 2000.

Source: Bergen County and Garfield City records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	546 RIVER DR, GARFIELD, NJ 07026-3818
Owner Type	Company

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
May 29, 2020	Deed of Trust, Mortgage SB ONE BK
May 29, 2020	Deed of Trust, Mortgage SB ONE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2000 · Amount on File
Deed Sale	Nov 6, 2000 · Amount on File
Deed Book / Page	8322 / 453
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	540 RIVER DR, GARFIELD, NJ 07026
Document Number	0036801455
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	546 RIVER DR GARFIELD NJ 070263818, GARFIELD, NJ 07026-3818

Mortgage

Document Number	0036801455
Date	Aug 26, 2020
Book Page	003680/001455
Instrument	77497

Lender

Name	SB ONE BK
Address	18 RAILROAD AVE, ROCHELLE PARK, NJ 07662-4105

Agreement

Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	540 RIVER DR, GARFIELD, NJ 07026
Document Number	0036801414
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	546 RIVER DR GARFIELD NJ 070263818, GARFIELD, NJ 07026-3818

Mortgage

Document Number	0036801414
Date	Aug 26, 2020
Book Page	003680/001414
Instrument	77494

Lender

Name	SB ONE BK
Address	18 RAILROAD AVE, ROCHELLE PARK, NJ 07662-4105

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 540 River Dr was $201,907, down 17.2% from the year before.

Source: Bergen County and Garfield City assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,503,600 (-5.17%) Land $1,882,700 Building $3,620,900	$5,503,600 (-5.17%) Land $1,882,700 Building $3,620,900
2025	$201,907.00 (-17.16%)	$5,803,600 Land $1,882,700 Building $3,920,900	$5,803,600 Land $1,882,700 Building $3,920,900
2024	$243,721.00
2023		$7,303,600 Land $1,882,700 Building $5,420,900	$7,303,600 Land $1,882,700 Building $5,420,900
2022	$227,799.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 540 River Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	17 (1978–2011)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 7 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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

Wildfire risk around 540 River Dr 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 99.1% of the US · lower than 97.3% 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	GARFIELD WATER DEPARTMENT serves 30,487 people · EPA ID NJ0221001
Water Source	Purchased surface water from PASSAIC VALLEY WATER COMMISSION
Last State Inspection	Nov 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 796 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

May also be available: AT&T, T-Mobile.

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