686 Victoria Ave, Paramus, NJ 07652 Property Records

Bergen County and Paramus Borough property record for 686 Victoria Ave, Paramus, NJ 07652

Property Summary

Property Type	Single Family Home
Details	1,144 sqft · built 1955
Lot Size	0.271 acres (11,817 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jan 2021)
Tax Bill	$10,913 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-06726-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`46-06726-0000-00005`
Alternative APNs	`460672600005` `683500`

Interior

Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	11,817 sqft (0.271 acres)

Location & Zoning

Account Number	683500
Street Address	686 VICTORIA AVE
City	PARAMUS
State	NJ
Zip	07652-1944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Description	131XIRR 6.1LT
Legal Block	6726
Legal Lot Number	5
Jurisdiction	BERGEN NJ
Township / Civil Division	PARAMUS
Census Block Group	2
Census Block	2000
Census Tract	42301

Owner

686 Victoria Ave is owned and occupied by two individuals who bought it in January 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	686 VICTORIA AVE, PARAMUS, NJ 07652-1944
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2017	Deed of Trust, Mortgage · Line of Credit CAPITAL ONE NA
Jan 26, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage MORTGAGES UNLIMITED INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2021 · Amount on File
Deed Sale	Jan 26, 2021 · Amount on File
Prior Sale	May 2, 2003 · Amount on File
Deed Document Number	202111038
Deed Book / Page	3929 / 989
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	686 VICTORIA AVE, PARAMUS, NJ 07652-1944
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027251065
Date	Sep 19, 2017
Book Page	02725/1065
Instrument	17-069763

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	PLANO, TX 75024

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 11, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 26, 2021
Property Address	686 VICTORIA AVE, PARAMUS, NJ 07652-1944
Document Number	0039290989
Book / Page	3929 / 989
Instrument Date	Nov 14, 2020
Instrument	21-011038
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	SAFE LAND TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	686 VICTORIA AVE, 686, PARAMUS, NJ 07652-1944

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 VICTORIA AVE, PARAMUS, NJ 07652-1944

Mortgage

Document Number	21011039
Date	Jan 26, 2021
Instrument	21-011039

Lender

Name	MORTGAGES UNLIMITED INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 686 Victoria Ave was $10,913, up 5.8% from the year before.

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		$775,900 (+6.58%) Land $475,200 Building $300,700	$775,900 (+6.58%) Land $475,200 Building $300,700
2025	$10,913.00 (+5.76%)	$728,000 Land $434,800 Building $293,200	$728,000 Land $434,800 Building $293,200
2024	$10,319.00
2023		$651,600 Land $383,500 Building $268,100	$651,600 Land $383,500 Building $268,100
2022	$9,459.00

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

Flood

FEMA maps place 686 Victoria Ave in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1999.

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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	43 (1999–2021)
Claims Outside the SFHA	4 of 43
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 7 claims Hurricane Irene, Sep 2011 · 14 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 17 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

The area around 686 Victoria 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.

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

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

May also be available: T-Mobile.

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