Bergen County and Waldwick Borough property record for 18 Ridge St, Waldwick, NJ 07463
| Property Type | Single Family Home |
|---|---|
| Details | 1,525 sqft · built 1951 |
| Lot Size | 0.235 acres (10,220 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $605,000 (May 2022) |
| Tax Bill | $13,715 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-00045-0000-00024 |
| Primary APN | 64-00045-0000-00024 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,525 sqft Living Area |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 10,220 sqft (0.235 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 18 RIDGE ST |
|---|---|
| City | WALDWICK |
| State | NJ |
| Zip | 07463-2313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 80XIRR 3LT |
| Legal Subdivision | HIGHLANDS SEC #3 |
| Legal Block | 45 |
| Legal Lot Number | 24 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | WALDWICK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 56100 |
18 Ridge St is owned by two individuals who bought it in May 2022.
Source: Bergen County and Waldwick Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 VAN RIPER AVE, CLIFTON, NJ 07011-1327 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 25, 2022 | Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CLASSIC MORTGAGE LLC |
| Jun 7, 2019 | Deed with Mortgage, Transfer · Conventional with PMI CITADEL SVCNG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2022 · Amount on File |
| Deed Sale | May 25, 2022 · Amount on File |
| Prior Sale | Jun 7, 2019 · Amount on File |
| Deed Document Number | 202253805 |
| Deed Book / Page | 4691 / 693 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 25, 2022 |
| Property Address | 18 RIDGE ST, WALDWICK, NJ 07463-2313 |
| Document Number | 0046910693 |
| Book / Page | 4691 / 693 |
| Instrument Date | Apr 12, 2022 |
| Instrument | 2022053805 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2022 |
| Title Company | THE SECURITY TITLE GUARANTEE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,238.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 57 CIDER HL, 57, UPPER SADDLE RIVER, NJ 07458-1765 |
| Name | Verified Name |
|---|---|
| Address | 105 VAN RIPER AVE, CLIFTON, NJ 07011-1327 |
| Document Number | 2022053806 |
|---|---|
| Date | May 25, 2022 |
| Instrument | 2022053806 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 18 RIDGE ST, WALDWICK, NJ 07463-2313 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SAFELAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0038161042 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 3816/1042 |
| Instrument | 20-118523 |
| Name | CLASSIC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MAYWOOD, NJ 07607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 7, 2019 |
| Property Address | 18 RIDGE ST, WALDWICK, NJ 07463-2313 |
| Document Number | 0032611565 |
| Book / Page | 003261 / 001565 |
| Instrument Date | May 16, 2019 |
| Instrument | 35876 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | ALLIED TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 RIDGE ST WALDWICK NJ 074632313, WALDWICK, NJ 07463-2313 |
| Document Number | 32611570 |
|---|---|
| Date | Jun 7, 2019 |
| Book Page | 003261/001570 |
| Instrument | 35876 |
| Name | CITADEL SVCNG CORP |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 6, 2049 |
The 2025 property tax bill for 18 Ridge St was $13,715, up 3.7% from the year before.
Source: Bergen County and Waldwick Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Waldwick Borough |
| Unified School District | Waldwick Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $597,600 (-) Land $350,100 Building $247,500 | $597,600 (-) Land $350,100 Building $247,500 | |
| 2025 | $13,715.00 (+3.67%) | $597,600 Land $350,100 Building $247,500 | $597,600 Land $350,100 Building $247,500 |
| 2024 | $13,230.00 | ||
| 2023 | $416,900 Land $282,300 Building $134,600 | $416,900 Land $282,300 Building $134,600 | |
| 2022 | $11,873.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Ridge St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2007–2021) |
| 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.
Wildfire risk around 18 Ridge St 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 95% of the US · lower than 87% 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 | WALDWICK WATER DEPT serves 10,208 people · EPA ID NJ0264001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 5 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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 810 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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