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Residential (General/Single)Residential
$3,252,932$646 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,122,000 on Jul 5, 2007

45 STEPHEN DR

ENGLEWOOD CLIFFS, NJ 07632
0
Baths
5,038 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
2009
Year BuiltThe year the home was originally built, according to county records.

Valuation

$3.3M
$3M low$3.5M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,122,000 · Jul 5, 2007
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$2,852,932
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$2,282,346
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.13%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$400,000
VALLEY NATIONAL BANK · E · recorded Sep 11, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$30,363 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$2,606,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,060,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,546,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,606,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,606,300

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyBERGEN
Lot (acres)The size of the land the home sits on, from county records.0.28
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
North Cliff School
Elementary · Grades PK–2 · 0.4 mi
M
Upper SchoolA+
Middle · Grades 3–8 · 1.7 mi
H
Dwight Morrow High SchoolD
High · Grades 9–12 · 1.9 mi

District: Englewood Cliffs Public Schools

Neighborhood · ZIP 07632These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.55
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.118
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.113

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.4,743
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,322 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$200,080
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$261,923
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

45 Stephen Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Bergen County
  • Costs more per square foot than 96% of homes in Bergen County
  • Bigger than 98% of homes in Bergen County
  • Has a bigger lot than 73% of homes in Bergen County
  • Newer than 95% of homes in Bergen County

What homes are worth in Englewood Cliffs 07632

Each bar is how many homes fall in that price range. The marker is this home.

This home
$1M$4.5M

This home is worth more than 89% of homes in Englewood Cliffs 07632.

How it measures up in Englewood Cliffs 07632

The dot is this home. The mark in the middle is the typical home in Englewood Cliffs 07632.

Estimated value$3,252,932
CheaperTypical $1,757,471Pricier

Pricier than 89% of homes nearby

Price per ft²$646
CheaperTypical $560Pricier

Pricier than 75% of homes nearby

Living area5,038 ft²
SmallerTypical 3,280 ft²Bigger

Bigger than 86% of homes nearby

Lot size0.28 ac
SmallerTypical 0.23 acBigger

Bigger than 67% of homes nearby

Year built2009
OlderTypical 1971Newer

Newer than 90% of homes nearby

How 45 Stephen Dr ranks against every home in each area.
MeasureThis homeEnglewood Cliffs 07632Bergen County
Estimated valuepricier than$3,252,93289% of homesalmost all homes
Price per ft²pricier than$64675% of homes96% of homes
Living areabigger than5,038 ft²86% of homes98% of homes
Lot sizebigger than0.28 ac67% of homes73% of homes
Year builtnewer than200990% of homes95% of homes

About 45 Stephen Dr

How much is 45 Stephen Dr, Englewood Cliffs, NJ worth?

The TopHap Estimate for 45 Stephen Dr, Englewood Cliffs, NJ is $3,252,932 as of Jul 14, 2026. The likely range is $3,024,266 to $3,481,598. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Stephen Dr, Englewood Cliffs, NJ last sell?

45 Stephen Dr, Englewood Cliffs, NJ last sold on Jul 5, 2007 for $1,122,000, according to the county's recorded deed.

How big is 45 Stephen Dr, Englewood Cliffs, NJ?

45 Stephen Dr, Englewood Cliffs, NJ has 5,038 square feet of living space and a 0.28-acre lot.

When was 45 Stephen Dr, Englewood Cliffs, NJ built?

45 Stephen Dr, Englewood Cliffs, NJ was built in 2009, making it 17 years old.

What schools serve 45 Stephen Dr, Englewood Cliffs, NJ?

45 Stephen Dr, Englewood Cliffs, NJ is assigned to North Cliff School (elementary); Upper School (middle), rated A+; Dwight Morrow High School (high), rated D. All sit in Englewood Cliffs Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Stephen Dr, Englewood Cliffs, NJ compare to other homes in Englewood Cliffs 07632?

Among the 1,928 homes in Englewood Cliffs 07632, it is worth more than 89% of them ($3,252,932 against a typical $1,757,471), its price per square foot is higher than 75% of them ($646 against a typical $560), it is bigger than 86% of them (5,038 ft² against a typical 3,280 ft²), its lot is bigger than 67% of them (0.28 ac against a typical 0.23 ac) and it is newer than 90% of them (2009 against a typical 1971). Measured against all of Bergen County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 45 Stephen Dr, Englewood Cliffs, NJ?

The 2025 property tax bill for 45 Stephen Dr, Englewood Cliffs, NJ was $30,363. The county assessed it at $2,606,300.

Closest homes

More homes in Englewood Cliffs 07632

Assigned schools

Explore the area

See this home in context

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