Bergen County and Demarest Borough property record for 8 Insley St, Demarest, NJ 07627
| Property Type | Single Family Home |
|---|---|
| Details | 1,840 sqft · built 1929 |
| Lot Size | 0.073 acres (3,180 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $427,500 (Sep 2017) |
| Tax Bill | $14,063 (2025) |
| Deeds & Mortgages | Jul 2022 Second Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00038-0000-00546 |
| Primary APN | 09-00038-0000-00546 |
|---|---|
| Alternative APN |
|
| Building Area | 1,840 sqft Living Area |
|---|
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Lot Area | 3,180 sqft (0.073 acres) |
| Street Address | 8 INSLEY ST |
|---|---|
| City | DEMAREST |
| State | NJ |
| Zip | 07627-1526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | D |
| Legal Description | 0.073AC |
| Legal Subdivision | BOSTON LAND CO ESTATE |
| Legal Block | 38 |
| Legal Lot Number | 546 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | DEMAREST |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 9100 |
8 Insley St is owned and occupied by two individuals who bought it in September 2017.
Source: Bergen County and Demarest Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8 INSLEY ST, DEMAREST, NJ 07627-1526 |
| 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 |
|---|---|
| Jul 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA |
| Sep 26, 2017 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2017 · Amount on File |
| Deed Sale | Sep 26, 2017 · Amount on File |
| Prior Sale | May 4, 2006 · Amount on File |
| Deed Document Number | 201771814 |
| Deed Book / Page | 2732 / 1933 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 8 INSLEY ST, DEMAREST, NJ 07627-1526 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0047560032 |
|---|---|
| Date | Jul 28, 2022 |
| Book Page | 4756/32 |
| Instrument | 2022075010 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 7, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 8 INSLEY ST, DEMAREST, NJ 07627-1526 |
| Document Number | 0037940149 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8 INSLEY ST DEMAREST NJ 076271526, DEMAREST, NJ 07627-1526 |
| Document Number | 0037940149 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 003794/000149 |
| Instrument | 111461 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 27, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 26, 2017 |
| Property Address | 8 INSLEY ST, DEMAREST, NJ 07627-1526 |
| Document Number | 0027321933 |
| Book / Page | 02732 / 1933 |
| Instrument Date | Sep 6, 2017 |
| Instrument | 17-071814 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | HUDSON ONE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,479.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8 INSLEY ST, 8, DEMAREST, NJ 07627-1526 |
| Name | Verified Name |
|---|---|
| Address | 8 INSLEY ST, DEMAREST, NJ 07627-1526 |
| Document Number | 0027321938 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 02732/1938 |
| Instrument | 17-071814.01 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2037 |
The 2025 property tax bill for 8 Insley St was $14,063, up 19.8% from the year before.
Source: Bergen County and Demarest Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Demarest Borough |
| Elementary School District | Demarest Borough School District (KG - 08) |
| Secondary School District | Northern Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $779,100 (-) Land $476,300 Building $302,800 | $779,100 (-) Land $476,300 Building $302,800 | |
| 2025 | $14,063.00 (+19.78%) | $779,100 Land $476,300 Building $302,800 | $779,100 Land $476,300 Building $302,800 |
| 2024 | $11,741.00 | ||
| 2023 | $384,100 Land $246,200 Building $137,900 | $384,100 Land $246,200 Building $137,900 | |
| 2022 | $10,904.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8 Insley St in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (2010–2021) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
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 risk around 8 Insley St 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 98% of the US · lower than 94% 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.
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 308 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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