647 Terrace Dr, Paramus, NJ 07652 Property Records

Bergen County and Paramus Borough property record for 647 Terrace Dr, Paramus, NJ 07652

Property Summary

Property Type	Single Family Home
Details	4,634 sqft · built 2002
Lot Size	0.299 acres (13,035 sqft)
Owner	2 Individual Names on File
Last Sale	$985,000 (Jun 2006)
Tax Bill	$22,677 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-07108-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`46-07108-0000-00007`
Alternative APNs	`460710800007` `739000`

Interior

Stories	1 Story
Building Area	4,634 sqft Living Area
1st Floor Area	4,634 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	13,035 sqft (0.299 acres)

Location & Zoning

Account Number	739000
Street Address	647 TERRACE DR
City	PARAMUS
State	NJ
Zip	07652-4928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	76XIRR 4.8LT
Legal Block	7108
Legal Lot Number	7
Jurisdiction	BERGEN NJ
Township / Civil Division	PARAMUS
Census Block Group	1
Census Block	1001
Census Tract	42302

Owner

Source: Bergen County and Paramus Borough assessment roll, 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 File
Mailing Address	647 TERRACE DR, PARAMUS, NJ 07652-4928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2025	Deed of Trust, Mortgage · Line of Credit ALMA BANK
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 1, 2006 · Amount on Record
Deed Sale	Jun 1, 2006 · Amount on Record
Prior Sale	Nov 2, 2005 · Amount on Record
Deed Book / Page	9090 / 102
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	647 TERRACE DR, PARAMUS, NJ 07652-4928
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	COMMONWEALTH LAND TITLE COMPANY/DAL, COMMONWEALTH LAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056680541
Date	Dec 6, 2025
Book Page	5668/541
Instrument	2025084224

Lender

Name	ALMA BANK
Type	Bank
Address	ASTORIA, NY 11102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 14, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	647 TERRACE DR, PARAMUS, NJ 07652-4928
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037260780
Date	Sep 24, 2020
Book Page	3726/780
Instrument	2020091605

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,580,900 (+4.5%) Land $435,500 Building $1,145,400	$1,580,900 (+4.5%) Land $435,500 Building $1,145,400
2025	$22,677.00 (+5.18%)	$1,512,800 (+10.33%) Land $393,400 Building $1,119,400	$1,512,800 (+10.33%) Land $393,400 Building $1,119,400
2024	$21,560.00 (+7.72%)
2023		$1,371,100 Land $342,500 Building $1,028,600	$1,371,100 Land $342,500 Building $1,028,600
2022	$20,014.00

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	4 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Apr 1978 · tidal / storm surge

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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile USA.

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