Bergen County and Ridgewood Village property record for 210 Spencer Pl, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 2,748 sqft · built 1940 |
| Lot Size | 0.343 acres (14,941 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $999,000 (Jul 2016) |
| Tax Bill | $24,360 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit Jun 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-02302-0000-00014 |
| Primary APN | 51-02302-0000-00014 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,748 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Frame |
| Lot Area | 14,941 sqft (0.343 acres) |
| Lot Dimensions | 180 ft deep x 81 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 210 SPENCER PL |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-4109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .343 AC |
| Legal Block | 2302 |
| Legal Lot Number | 14 |
| 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 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 | 210 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2017 | Deed of Trust, Mortgage · Line of Credit M & T BANK |
| Jun 18, 2019 | Loan Modification, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TR |
| Aug 8, 2018 | Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR |
| Feb 2, 2018 | Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2016 · Amount on Record |
| Deed Sale | Jul 29, 2016 · Amount on Record |
| Prior Sale | Aug 6, 2013 · Amount on Record |
| Deed Document Number | 201655583 |
| Deed Book / Page | 2327 / 1609 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 210 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0026290113 |
|---|---|
| Date | Jun 5, 2017 |
| Book Page | 02629/0113 |
| Instrument | 17-043051 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 210 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 0032931562 |
| Instrument Date | Jun 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 210 SPENCER PL RIDGEWOOD NJ 074504109, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 0032931562 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | 003293/001562 |
| Instrument | 45063 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 210 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 0030381796 |
| Instrument Date | Aug 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 210 SPENCER PL RIDGEWOOD NJ 074504109, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 0030381796 |
|---|---|
| Date | Aug 28, 2018 |
| Book Page | 003038/001796 |
| Instrument | 61673 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 210 SPENCER PL, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 0028652138 |
| Instrument Date | Feb 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2018 |
| Name | Verified Name |
|---|---|
| Address | 210 SPENCER PL RIDGEWOOD NJ 074504109, RIDGEWOOD, NJ 07450-4109 |
| Document Number | 0028652138 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 002865/002138 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| 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 | $842,900 (-) Land $404,500 Building $438,400 | $842,900 (-) Land $404,500 Building $438,400 | |
| 2025 | $24,360.00 (+0.74%) | $842,900 (-) Land $404,500 Building $438,400 | $842,900 (-) Land $404,500 Building $438,400 |
| 2024 | $24,182.00 (+4.97%) | ||
| 2023 | $842,900 Land $404,500 Building $438,400 | $842,900 Land $404,500 Building $438,400 | |
| 2022 | $23,036.00 |
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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