Bergen County and Ridgewood Village property record for 189 Spencer Pl, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 3,045 sqft · built 1939 |
| Lot Size | 0.329 acres (14,331 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $749,900 (Aug 2004) |
| Tax Bill | $24,906 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-02301-0000-00002 |
| Primary APN | 51-02301-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,045 sqft Living Area |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Construction Type | Frame |
| Lot Area | 14,331 sqft (0.329 acres) |
| Lot Dimensions | 175 ft deep x 75 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 189 SPENCER PL |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-4107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .329 AC |
| Legal Block | 2301 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 47400 |
Source: Bergen County and Ridgewood Village records, as of June 29, 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 Individual Names on Record |
|---|---|
| Mailing Address | 189 SPENCER PL, RIDGEWOOD, NJ 07450-4107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2004 · Amount on Record |
| Deed Sale | Aug 10, 2004 · Amount on Record |
| Deed Book / Page | 8713 / 482 |
| Prior Transfer Date | Jun 20, 2000 |
| Prior Transfer Doc | 0000079152 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 189 SPENCER PL, RIDGEWOOD, NJ 07450-4107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0026062172 |
|---|---|
| Date | May 10, 2017 |
| Book Page | 02606/2172 |
| Instrument | 17-036852 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Amount | Amount Recorded |
|---|---|
| Term | 479 Months |
| Due | Apr 20, 2057 |
| 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 | $861,800 (-) Land $421,100 Building $440,700 | $861,800 (-) Land $421,100 Building $440,700 | |
| 2025 | $24,906.00 (+0.73%) | $861,800 (-) Land $421,100 Building $440,700 | $861,800 (-) Land $421,100 Building $440,700 |
| 2024 | $24,725.00 (+4.98%) | ||
| 2023 | $861,800 Land $421,100 Building $440,700 | $861,800 Land $421,100 Building $440,700 | |
| 2022 | $23,552.00 |
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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