Bergen County and Ridgewood Village property record for 144 Spencer Pl, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 1,693 sqft · built 1920 |
| Lot Size | 0.184 acres (8,015 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $525,000 (Feb 2016) |
| Tax Bill | $14,464 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-02303-0000-00004 |
| Primary APN | 51-02303-0000-00004 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,693 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Lot Area | 8,015 sqft (0.184 acres) |
| Lot Dimensions | 108 ft deep x 73 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 144 SPENCER PL |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-4108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | .184 AC |
| Legal Block | 2303 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 5 |
| Census Block | 5009 |
| Census Tract | 47400 |
Source: Bergen County and Ridgewood Village records, as of October 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK NA |
| Oct 13, 2022 | Deed of Trust, Mortgage VISIONS FCU |
| Jul 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage VISIONS FCU |
| Aug 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Oct 1, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BOND STREET MORTGAGE LLC |
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Jul 28, 2017 | Deed of Trust, Mortgage · Line of Credit QUORUM FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 19, 2016 · Amount on Record |
| Deed Sale | Feb 19, 2016 · Amount on Record |
| Prior Sale | Jan 25, 1973 · Amount on Record |
| Deed Document Number | 201614262 |
| Deed Book / Page | 2191 / 529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 22, 2026 |
| Property Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Document Number | 0000065631 |
| Book / Page | 5904 / 1324 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 202665631 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 239 3RD AVE, GARWOOD, NJ 07027-1132 |
| Document Number | 0000065631, |
|---|---|
| Date | Sep 22, 2026 |
| Book Page | 5904/1324 |
| Instrument | 202665631 |
| Name | M & T BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Document Number | 0048331036 |
|---|---|
| Date | Oct 13, 2022 |
| Book Page | 4833/1036 |
| Instrument | 2022099122 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Amount | Amount Recorded |
|---|---|
| Term | 179 Months |
| Due | Sep 21, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Document Number | 0047520902 |
|---|---|
| Date | Jul 26, 2022 |
| Book Page | 4752/902 |
| Instrument | 2022073823 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Aug 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | FOUNDATION TITLE |
| Name | Verified Name |
|---|
| Document Number | 0043071188 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 4307/1188 |
| Instrument | 2021123962 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN LAND TITLE AFFILIAT |
| Name | Verified Name |
|---|
| Document Number | 0033631736 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 3363/1736 |
| Instrument | 19-064997 |
| Name | BOND STREET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036310750 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 3631/750 |
| Instrument | 20-061078 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 144 SPENCER PL, RIDGEWOOD, NJ 07450-4108 |
| Document Number | 0026961235 |
| Book / Page | 002696 / 001235 |
| Instrument Date | Jul 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2017 |
| Title Company | ISGN FULFILLMENT SERVICES INC, ISGN FULFILLMENT SVC INC |
| Name | Verified Name |
|---|---|
| Address | 144 SPENCER PL RIDGEWOOD NJ 074504108, RIDGEWOOD, NJ 07450-4108 |
| Document Number | 0026961235 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 002696/001235 |
| Name | QUORUM FCU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Bergen County and Ridgewood Village assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ridgewood Village |
| Unified School District | Ridgewood Village School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $500,500 (-) Land $324,400 Building $176,100 | $500,500 (-) Land $324,400 Building $176,100 | |
| 2025 | $14,464.00 (+0.73%) | $500,500 (+1.05%) Land $324,400 Building $176,100 | $500,500 (+1.05%) Land $324,400 Building $176,100 |
| 2024 | $14,359.00 (+6.08%) | ||
| 2023 | $495,300 Land $324,400 Building $170,900 | $495,300 Land $324,400 Building $170,900 | |
| 2022 | $13,536.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (2011–2021) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% 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 | RIDGEWOOD WATER serves 61,700 people · EPA ID NJ0251001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2019 |
| Monitoring and Reporting | 7 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 381 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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