Bergen County and Ridgewood Village property record for 317 Downs St, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 2,158 sqft · built 1951 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $590,000 (Jul 2018) |
| Tax Bill | $18,944 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-03202-0000-00026 |
| Primary APN | 51-03202-0000-00026 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,158 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 | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 203 ft deep x 60 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 317 DOWNS ST |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-2705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .280 AC |
| Legal Block | 3202 |
| Legal Lot Number | 26 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 47100 |
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2022 | Deed of Trust, Mortgage VAST BANK NA |
| Jan 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA |
| Mar 5, 2021 | Intrafamily Transfer, Transfer FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SVCS INC |
| Jul 11, 2018 | Deed, Transfer |
| Dec 20, 2016 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2018 · Amount on Record |
| Deed Sale | Jul 11, 2018 · Amount on Record |
| Prior Sale | Aug 18, 2006 · Amount on Record |
| Deed Document Number | 201818-048970 |
| Deed Book / Page | 2992 / 2082 |
| Last Transfer Date | Oct 8, 2020 |
| Transfer Doc | 0039970558 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 0048421083 |
|---|---|
| Date | Oct 21, 2022 |
| Book Page | 4842/1083 |
| Instrument | 2022101984 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Amount | Amount Recorded |
|---|---|
| Term | 237 Months |
| Due | Jul 17, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045280929 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 4528/929 |
| Instrument | 2022003913 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2042 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 5, 2021 |
| Property Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 0039970558 |
| Book / Page | 3997 / 558 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 2021031271 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 11, 2018 |
| Property Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 0029922082 |
| Book / Page | 2992 / 2082 |
| Instrument Date | Jun 25, 2018 |
| Instrument | 00018-048970 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 317 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 0025030559 |
| Book / Page | 002503 / 000559 |
| Instrument Date | Dec 20, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 317 DOWNS ST RIDGEWOOD NJ 074502705, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 0025030559 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 002503/000559 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 11, 2047 |
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 | $655,500 (-) Land $323,600 Building $331,900 | $655,500 (-) Land $323,600 Building $331,900 | |
| 2025 | $18,944.00 (+0.73%) | $655,500 (-) Land $323,600 Building $331,900 | $655,500 (-) Land $323,600 Building $331,900 |
| 2024 | $18,806.00 (+4.98%) | ||
| 2023 | $655,500 Land $323,600 Building $331,900 | $655,500 Land $323,600 Building $331,900 | |
| 2022 | $17,914.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 32 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 45 (1979–2021) |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 97% of the US · lower than 92% 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 554 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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