78 Spring St, Garfield, NJ 07026 Property Records

Bergen County and Garfield City property record for 78 Spring St, Garfield, NJ 07026

Property Summary

Property Type	Single Family Home
Details	1,625 sqft · built 1939
Lot Size	0.149 acres (6,469 sqft)
Owner	Individual Name on Record
Tax Bill	$9,623 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-00119-01-00119`

Property Details

APN / Parcel Number

Primary APN	`21-00119-01-00119`
Alternative APNs	`2100119000100119` `003043`

Interior

Stories	2 Stories
Building Area	1,625 sqft Living Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Frame
Construction Type	Frame
Lot Area	6,469 sqft (0.149 acres)
Lot Dimensions	110 ft deep x 58 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	003043
Street Address	78 SPRING ST
City	GARFIELD
State	NJ
Zip	07026-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6469 SF
Legal Block	119
Legal Lot Number	119
Jurisdiction	BERGEN NJ
Township / Civil Division	GARFIELD
Census Block Group	1
Census Block	1000
Census Tract	21300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	78 SPRING ST, GARFIELD, NJ 07026-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · FHA Mortgage SIMPLE TITLE, SIMPLIFILE
Jun 30, 2023	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Dec 1, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 24, 2020
Transfer Doc	0038420268
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Jul 1, 2026
Property Address	78 SPRING ST, GARFIELD, NJ 07026-2322
Document Number	0000044271
Book / Page	5835 / 1225
Instrument Date	May 26, 2026
Instrument	202644271
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 SPRING ST, GARFIELD, NJ 07026-2322

Mortgage

Document Number	0000044271,
Date	Jul 1, 2026
Book Page	5835/1225
Instrument	202644271

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	78 SPRING ST, GARFIELD, NJ 07026-2322
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050280965
Date	Jun 30, 2023
Book Page	5028/965
Instrument	2023043353

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 1, 2020
Property Address	78 SPRING ST, GARFIELD, NJ 07026-2322
Document Number	0038420268
Book / Page	003842 / 000268
Instrument Date	Sep 24, 2020
Instrument	126283
Transaction Type	Transfer
Record Updated	Dec 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 SPRING ST GARFIELD NJ 070262322, GARFIELD, NJ 07026-2322

Tax Assessment & Valuation

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		$276,600 (-) Land $137,300 Building $139,300	$276,600 (-) Land $137,300 Building $139,300
2025	$9,623.00 (+4.26%)	$276,600 (-) Land $137,300 Building $139,300	$276,600 (-) Land $137,300 Building $139,300
2024	$9,230.00 (+6.99%)
2023		$276,600 Land $137,300 Building $139,300	$276,600 Land $137,300 Building $139,300
2022	$8,627.00

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 Claims	3 (1979)
Most Recent Claim	Oct 1979 · 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	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	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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