95 Harding Ave, Dumont, NJ 07628 Property Records

Bergen County and Dumont Borough property record for 95 Harding Ave, Dumont, NJ 07628

Property Summary

Property Type	Single Family Home
Details	1,508 sqft · built 1954
Lot Size	0.177 acres (7,710 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Nov 2018)
Tax Bill	$12,718 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2018 Sale & Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-00307-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`10-00307-0000-00015`
Alternative APNs	`100030700015` `409300`

Interior

Building Area	1,508 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Lot Area	7,710 sqft (0.177 acres)
Lot Dimensions	94 ft deep x 82 ft wide

Location & Zoning

Account Number	409300
Street Address	95 HARDING AVE
City	DUMONT
State	NJ
Zip	07628-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	82X94
Legal Subdivision	DELONG GARDENS
Legal Block	307
Legal Lot Number	15
Jurisdiction	BERGEN NJ
Township / Civil Division	DUMONT
Census Block Group	1
Census Block	1007
Census Tract	10100

Owner

95 Harding Ave is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	95 HARDING AVE, DUMONT, NJ 07628-1212
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP
Nov 15, 2018	Deed, Transfer · Stand-Alone Refinance CITIBANK NA
Sep 11, 2017	Grant Deed, Transfer · Conventional Mortgage COLDWELL BANKER HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2018 · Amount on File
Deed Sale	Nov 15, 2018 · Amount on File
Prior Sale	Sep 11, 2017 · Amount on File
Deed Document Number	201818-081355
Deed Book / Page	3109 / 413
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	95 HARDING AVE, DUMONT, NJ 07628-1212
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039391125
Date	Feb 1, 2021
Book Page	3939/1125
Instrument	21-014062

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 15, 2018
Property Address	95 HARDING AVE, DUMONT, NJ 07628-1212
Document Number	0031090413
Book / Page	3109 / 413
Instrument Date	Nov 1, 2018
Instrument	00018-081355
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 HARDING AVE, DUMONT, NJ 07628-1212

Mortgage

Document Number	0031090419
Date	Nov 15, 2018
Book Page	3109/419
Instrument	2018-081355.01

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 11, 2017
Property Address	95 HARDING AVE, DUMONT, NJ 07628-1212
Document Number	0027172151
Book / Page	002717 / 002151
Instrument Date	Aug 12, 2017
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	NFTS TITLE AGENCY LLC, NRT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 HARDING AVE DUMONT NJ 076281212, DUMONT, NJ 07628-1212

Mortgage

Document Number	27172157
Date	Sep 11, 2017
Book Page	002717/002157

Lender

Name	COLDWELL BANKER HM LNS
Type	Funding / Finance Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 95 Harding Ave was $12,718, up 6.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$587,100 (+8.02%) Land $368,600 Building $218,500	$587,100 (+8.02%) Land $368,600 Building $218,500
2025	$12,718.00 (+6.75%)	$543,500 Land $336,000 Building $207,500	$543,500 Land $336,000 Building $207,500
2024	$11,914.00
2023		$293,100 Land $181,700 Building $111,400	$293,100 Land $181,700 Building $111,400
2022	$11,381.00

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

Flood

FEMA maps place 95 Harding Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 95 Harding Ave 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 99.1% of the US · lower than 97.3% 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.

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 621 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: T-Mobile.

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