97 Orchard Ave, Emerson, NJ 07630 Property Records

Bergen County and Emerson Borough property record for 97 Orchard Ave, Emerson, NJ 07630

Property Summary

Property Type	Single Family Home
Details	1,804 sqft · built 1948
Lot Size	0.184 acres (7,993 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Sep 2023)
Tax Bill	$14,884 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-00220-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`14-00220-0000-00002`
Alternative APNs	`140022000002` `006985`

Interior

Stories	1 Story
Building Area	1,804 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame
Lot Area	7,993 sqft (0.184 acres)
Lot Dimensions	123 ft deep x 65 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	006985
Street Address	97 ORCHARD AVE
City	EMERSON
State	NJ
Zip	07630-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	65X123 3LT
Legal Subdivision	LYNDHURST CARPENTERS & BUILDER
Legal Block	220
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	EMERSON
Census Block Group	2
Census Block	2019
Census Tract	14000

Owner

97 Orchard Ave is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	97 ORCHARD AVE, EMERSON, NJ 07630-1220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2023 · Amount on File
Deed Sale	Sep 27, 2023 · Amount on File
Prior Sale	Oct 12, 1993 · Amount on File
Deed Document Number	202363495
Deed Book / Page	5092 / 3
Record Updated	Sep 20, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 27, 2023
Property Address	97 ORCHARD AVE, EMERSON, NJ 07630-1220
Document Number	0050920003
Book / Page	5092 / 3
Instrument Date	Sep 25, 2023
Instrument	2023063495
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,132.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 5TH AVE, WESTWOOD, NJ 07675-2801

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	97 ORCHARD AVE, EMERSON, NJ 07630-1220

Mortgage

Document Number	2023063496
Date	Sep 27, 2023
Instrument	2023063496

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 97 Orchard Ave was $14,884, up 3.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$435,200 (-) Land $213,200 Building $222,000	$435,200 (-) Land $213,200 Building $222,000
2025	$14,884.00 (+3.54%)	$435,200 Land $213,200 Building $222,000	$435,200 Land $213,200 Building $222,000
2024	$14,375.00
2023		$435,200 (-) Land $213,200 Building $222,000	$435,200 (-) Land $213,200 Building $222,000
2022	$13,177.00 (+1.98%)	$435,200 Land $213,200 Building $222,000	$435,200 Land $213,200 Building $222,000
2021	$12,921.00

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

Flood

FEMA maps place 97 Orchard Ave 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	4 in force

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

Wildfire risk around 97 Orchard 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 513 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	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20