Bergen County and Waldwick Borough property record for 22 Ridge St, Waldwick, NJ 07463
| Property Type | Single Family Home |
|---|---|
| Details | 1,525 sqft · built 1951 |
| Lot Size | 0.125 acres (5,426 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Sep 2018) |
| Tax Bill | $11,234 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Sep 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-00045-0000-00022 |
| Primary APN | 64-00045-0000-00022 |
|---|---|
| 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 | 5,426 sqft (0.125 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 22 RIDGE ST |
|---|---|
| City | WALDWICK |
| State | NJ |
| Zip | 07463-2313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 58XIRR 2 LT |
| Legal Subdivision | RIDGEWALD HLNDS |
| Legal Block | 45 |
| Legal Lot Number | 22 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | WALDWICK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 56100 |
22 Ridge St is owned and occupied by two individuals who bought it in September 2018.
Source: Bergen County and Waldwick Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22 RIDGE ST, WALDWICK, NJ 07463-2313 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Apr 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA BANK |
| Sep 11, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2018 · Amount on File |
| Deed Sale | Sep 11, 2018 · Amount on File |
| Prior Sale | Jul 21, 2014 · Amount on File |
| Deed Document Number | 201818-064267 |
| Deed Book / Page | 3047 / 2298 |
| Prior Transfer Date | Apr 11, 2016 |
| Prior Transfer Doc | 0022562172 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 22 RIDGE ST, WALDWICK, NJ 07463-2313 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST JERSEY TITLE SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0035651663 |
|---|---|
| Date | Apr 8, 2020 |
| Book Page | 3565/1663 |
| Instrument | 20-037690 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Apr 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 4.87% |
| Index | 1-Year CMT |
| Max Rate | 8.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 11, 2018 |
| Property Address | 22 RIDGE ST, WALDWICK, NJ 07463-2313 |
| Document Number | 0030472298 |
| Book / Page | 3047 / 2298 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 00018-064267 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 RIDGE ST, WALDWICK, NJ 07463-2313 |
The 2025 property tax bill for 22 Ridge St was $11,234, 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 | $489,500 (-) Land $284,400 Building $205,100 | $489,500 (-) Land $284,400 Building $205,100 | |
| 2025 | $11,234.00 (+3.65%) | $489,500 Land $284,400 Building $205,100 | $489,500 Land $284,400 Building $205,100 |
| 2024 | $10,838.00 | ||
| 2023 | $362,500 Land $231,200 Building $131,300 | $362,500 Land $231,200 Building $131,300 | |
| 2022 | $10,324.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 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 22 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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