194 Spencer Pl, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 194 Spencer Pl, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	2,312 sqft · built 1940
Lot Size	0.278 acres (12,110 sqft)
Owner	2 Trust Names on File
Last Sale	$705,000 (Oct 2010)
Tax Bill	$22,418 (2025)
Deeds & Mortgages	May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`51-02302-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`51-02302-0000-00018`
Alternative APN	`510230200018`

Interior

Stories	2 Stories
Building Area	2,312 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Lot Area	12,110 sqft (0.278 acres)
Lot Dimensions	180 ft deep x 68 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	194 SPENCER PL
City	RIDGEWOOD
State	NJ
Zip	07450-4109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.278 AC
Legal Block	2302
Legal Lot Number	18
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	5
Census Block	5008
Census Tract	47400

Owner

194 Spencer Pl is owner-occupied and held in a trust since September 2016.

Source: Bergen County and Ridgewood Village records, as of June 29, 2026

Owner of Record	2 Trust Names on File
Mailing Address	194 SPENCER PL, RIDGEWOOD, NJ 07450-4109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2010 · Amount on File
Deed Sale	Oct 6, 2010 · Amount on File
Deed Document Number	20105440592
Deed Book / Page	544 / 592
Last Transfer Date	Sep 12, 2016
Transfer Doc	0024820954
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	194 SPENCER PL, RIDGEWOOD, NJ 07450-4109
Document Number	0036101210
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	194 SPENCER PL RIDGEWOOD NJ 074504109, RIDGEWOOD, NJ 07450-4109

Mortgage

Document Number	0036101210
Date	May 29, 2020
Book Page	003610/001210
Instrument	20053560

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 194 Spencer Pl was $22,418, up 0.7% from the year before.

Source: Bergen County and Ridgewood Village assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ridgewood Village
Unified School District	Ridgewood Village School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$775,700 (-) Land $400,800 Building $374,900	$775,700 (-) Land $400,800 Building $374,900
2025	$22,418.00 (+0.73%)	$775,700 Land $400,800 Building $374,900	$775,700 Land $400,800 Building $374,900
2024	$22,255.00
2023		$775,700 Land $400,800 Building $374,900	$775,700 Land $400,800 Building $374,900
2022	$21,199.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 194 Spencer Pl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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.

Wildfire

Wildfire risk around 194 Spencer Pl 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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