Bergen County and Ridgewood Village property record for 176 Spencer Pl, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 2,586 sqft · built 1920 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $902,500 (Sep 2021) |
| Tax Bill | $20,872 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-02302-0000-00020 |
| Primary APN | 51-02302-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,586 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Lot Area | 8,407 sqft (0.193 acres) |
| Lot Dimensions | 136 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 176 SPENCER PL |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-4109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .193 AC |
| Legal Subdivision | RIDGEWOOD VILLAGE |
| Legal Block | 2302 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 5 |
| Census Block | 5008 |
| Census Tract | 47400 |
Source: Bergen County and Ridgewood Village records, as of October 13, 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 176 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Aug 25, 2026 | Deed, Transfer CARNEGIE TITLE LLC, CARNEGIE TITLE |
| Sep 3, 2021 | Deed, Transfer · Conventional Mortgage ATLANTIC HOME LOANS INC |
| May 24, 2021 | Deed of Trust, Mortgage · Line of Credit SPENCER SAVINGS BANK SLA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2021 · Amount on Record |
| Deed Sale | Sep 3, 2021 · Amount on Record |
| Prior Sale | Nov 9, 2000 |
| Deed Document Number | 2021140130 |
| Deed Book / Page | 4360 / 64 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 25, 2026 |
| Property Address | 176 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 0000058893 |
| Book / Page | 5883 / 498 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 202658893 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2026 |
| Title Company | CARNEGIE TITLE LLC, CARNEGIE TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 176 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 3, 2021 |
| Property Address | 176 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 0043600064 |
| Book / Page | 4360 / 64 |
| Instrument Date | Aug 11, 2021 |
| Instrument | 2021140130 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2021 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,444.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 655 POMANDER WALK, 655, TEANECK, NJ 07666-1600 |
| Name | Verified Name |
|---|---|
| Address | 176 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 2021140131 |
|---|---|
| Date | Sep 3, 2021 |
| Instrument | 2021140131 |
| Name | ATLANTIC HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 176 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041640219 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 4164/219 |
| Instrument | 2021082391 |
| Name | SPENCER SAVINGS BANK SLA |
|---|---|
| Type | Bank |
| Address | ELMWOOD PARK, NJ 07407 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Apr 9, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $722,200 (-) Land $347,100 Building $375,100 | $722,200 (-) Land $347,100 Building $375,100 | |
| 2025 | $20,872.00 (+0.74%) | $722,200 (-) Land $347,100 Building $375,100 | $722,200 (-) Land $347,100 Building $375,100 |
| 2024 | $20,719.00 (+4.98%) | ||
| 2023 | $722,200 Land $347,100 Building $375,100 | $722,200 Land $347,100 Building $375,100 | |
| 2022 | $19,737.00 |
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 94% of the US · lower than 85% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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