Bergen County and Oradell Borough property record for 640 Cooper Ave, Oradell, NJ 07649
| Property Type | Single Family Home |
|---|---|
| Details | 3,414 sqft · built 2016 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,000 (Oct 2015) |
| Tax Bill | $25,945 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-00212-0000-00020 |
| Primary APN | 44-00212-0000-00020 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,414 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Construction Type | Frame |
| Lot Area | 15,002 sqft (0.344 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Account Number | 125300 |
|---|---|
| Street Address | 640 COOPER AVE |
| City | ORADELL |
| State | NJ |
| Zip | 07649-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | 75X200 |
| Legal Subdivision | THEW PARAMOUNT DEV COM |
| Legal Block | 212 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ORADELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 40002 |
640 Cooper Ave is owned and occupied by two individuals who bought it in October 2015.
Source: Bergen County and Oradell Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 COOPER AVE, ORADELL, NJ 07649-2308 |
| 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.
| Date | Document |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| Oct 4, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FEDERAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2015 · Amount on File |
| Deed Sale | Oct 5, 2015 · Amount on File |
| Deed Document Number | 201574399 |
| Deed Book / Page | 2066 / 2404 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 640 COOPER AVE, ORADELL, NJ 07649-2308 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040431352 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 4043/1352 |
| Instrument | 2021045789 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTER, NJ 07930 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 640 COOPER AVE, ORADELL, NJ 07649-2308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ALLIED TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0033661804 |
|---|---|
| Date | Oct 4, 2019 |
| Book Page | 3366/1804 |
| Instrument | 19-065854 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 640 Cooper Ave was $25,945, up 1.7% 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 | $1,170,200 (+3.51%) Land $436,500 Building $733,700 | $1,170,200 (+3.51%) Land $436,500 Building $733,700 | |
| 2025 | $25,945.00 (+1.75%) | $1,130,500 Land $411,000 Building $719,500 | $1,130,500 Land $411,000 Building $719,500 |
| 2024 | $25,499.00 | ||
| 2023 | $939,000 Land $296,500 Building $642,500 | $939,000 Land $296,500 Building $642,500 | |
| 2022 | $23,959.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Cooper 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.
The area around 640 Cooper Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 463 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 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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