Passaic County and Ringwood Borough property record for 109 Valley Rd, Ringwood, NJ 07456
| Property Type | Single Family Home |
|---|---|
| Details | 2,508 sqft · built 1940 |
| Lot Size | 0.465 acres (20,251 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $157,500 (Aug 1996) |
| Tax Bill | $13,484 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage May 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-00865-0000-00027 |
| Primary APN | 11-00865-0000-00027 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,508 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Frame |
| Lot Area | 20,251 sqft (0.465 acres) |
| Lot Dimensions | 166 ft deep x 122 ft wide |
| Street Address | 109 VALLEY RD |
|---|---|
| City | RINGWOOD |
| State | NJ |
| Zip | 07456-2941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 865 |
| Legal Lot Number | 27 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | RINGWOOD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 216701 |
Source: Passaic County and Ringwood Borough assessment roll, APN 11-00865-0000-00027, as of July 8, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 VALLEY RD, RINGWOOD, NJ 07456-2941 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 03, 2020 | Deed of Trust, Mortgage WATERMARK CAP |
| May 01, 2019 | Deed of Trust, Mortgage WATERMARK CAP |
| Aug 01, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage NICHOLAS JOUTZ |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 07, 1996 · Amount on Record |
| Deed Sale | Aug 07, 1996 · Amount on Record |
| Deed Book / Page | 146 / 304 |
| Last Transfer Date | Jul 31, 2018 |
| Transfer Doc | 0000034050 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 109 VALLEY RD, RINGWOOD, NJ 07456-2941 |
| Document Number | 0000017062 |
| Instrument Date | Apr 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 VALLEY RD RINGWOOD NJ 074562941, RINGWOOD, NJ 07456-2941 |
| Document Number | 0000017062 |
|---|---|
| Date | Apr 09, 2020 |
| Instrument | 17062 |
| Name | WATERMARK CAP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 08, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 109 VALLEY RD, RINGWOOD, NJ 07456-2941 |
| Document Number | 0000020664 |
| Instrument Date | May 01, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 VALLEY RD RINGWOOD NJ 074562941, RINGWOOD, NJ 07456-2941 |
| Document Number | 0000020664 |
|---|---|
| Date | May 14, 2019 |
| Book Page | 015517/000001 |
| Instrument | 20664 |
| Name | WATERMARK CAP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 13, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Aug 01, 2018 |
| Property Address | 109 VALLEY RD, RINGWOOD, NJ 07456-2941 |
| Document Number | 0000034050 |
| Book / Page | 003365 / 000001 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 34050 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 VALLEY DR RINGWOOD NJ 07456, RINGWOOD, NJ 07456 |
| Document Number | 34051 |
|---|---|
| Date | Aug 01, 2018 |
| Book Page | 015124/000147 |
| Instrument | 34051 |
| Name | NICHOLAS JOUTZ |
|---|---|
| Address | 100 SPECTRUM CENTER DR # 150, IRVINE, CA 92618-4964 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jul 31, 2020 |
Source: Passaic County and Ringwood Borough assessment roll as of July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| Municipality | Ringwood Borough |
| Secondary School District | Lakeland Regional School District (09 - 12) |
| Elementary School District | Ringwood Borough School District (KG - 08) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $316,600 (-) Land $149,700 Building $166,900 | $316,600 (-) Land $149,700 Building $166,900 | |
| 2025 | $13,484.00 (+2.31%) | $316,600 (-) Land $149,700 Building $166,900 | $316,600 (-) Land $149,700 Building $166,900 |
| 2024 | $13,180.00 (+4.99%) | ||
| 2023 | $316,600 Land $149,700 Building $166,900 | $316,600 Land $149,700 Building $166,900 | |
| 2022 | $12,553.00 |
Source: FEMA National Flood Hazard Layer, Passaic County (34031C), as of May 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340312167013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, 97 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System, water system NJ1611002, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RINGWOOD WATER DEPARTMENT serves 9,327 people |
|---|---|
| Water Source | Purchased surface water from PASSAIC VALLEY WATER COMMISSION |
| Last State Inspection | Jun 2022 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Oct 2024 |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2020 |
| Monitoring and Reporting | 17 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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