Bergen County and Ridgewood Village property record for 321 Downs St, Ridgewood, NJ 07450 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2,737 sqft · built 1950 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,475,000 (Jan 2022) |
| Tax Bill | $22,978 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Oct 2020 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-03202-0000-00025 |
| Primary APN | 51-03202-0000-00025 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,737 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Frame |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 203 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 321 DOWNS ST |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-2705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .280 AC |
| Legal Subdivision | RIDGEWOOD VILLAGE |
| Legal Block | 3202 |
| Legal Lot Number | 25 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 47100 |
Source: Bergen County and Ridgewood Village records · APN 51-03202-0000-00025
Assessment roll updated June 29, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Oct 20, 2020 | Deed of Trust, Construction Loan · Construction Mortgage SENTINEL SEC LIFE INS CO |
| Oct 20, 2020 | Deed, Construction Loan · Construction Mortgage SENTINEL SECURITY LIFE INSURANCE CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 20, 2022 · Amount on Record |
| Deed Sale | Jan 20, 2022 · Amount on Record |
| Prior Sale | Oct 20, 2020 · Amount on Record |
| Deed Document Number | 20228719 |
| Deed Book / Page | 4545 / 1347 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 20, 2022 |
| Property Address | 321 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 0045451347 |
| Book / Page | 4545 / 1347 |
| Instrument Date | Dec 14, 2021 |
| Instrument | 2022008719 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $30,072.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 890 ELLINGTON ROAD, 890, RIDGEWOOD, NJ |
| Name | Verified Name |
|---|---|
| Address | 321 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 2022008720 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 2022008720 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 20, 2020 |
| Property Address | 321 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 0037741511 |
| Book / Page | 003774 / 001511 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 105920 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 06, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 642 ARCADIA RD RIDGEWOOD NJ 074505527, RIDGEWOOD, NJ 07450-5527 |
| Document Number | 37741511 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 003774/001511 |
| Instrument | 105920 |
| Name | SENTINEL SEC LIFE INS CO |
|---|---|
| Address | SALT LAKE CITY, UT 84108 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 20, 2020 |
| Property Address | 321 DOWNS ST, RIDGEWOOD, NJ 07450-2705 |
| Document Number | 0037741506 |
| Book / Page | 3774 / 1506 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 20-105919 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 17, 2022 |
| Title Company | ELITE TITLE & ESCROW AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,463.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3608 OCEAN SHORE BLVD, 3608, ORMOND BEACH, FL 32176-2146 |
| Name | Verified Name |
|---|---|
| Address | 690 ELLINGTON RD, RIDGEWOOD, NJ 07450-5511 |
| Document Number | 0020105920 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 20-105920 |
| Name | SENTINEL SECURITY LIFE INSURANCE CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Bergen County and Ridgewood Village records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ridgewood Village |
| Unified School District | Ridgewood Village School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $795,100 (-) Land $340,600 Building $454,500 | $795,100 (-) Land $340,600 Building $454,500 | |
| 2025 | $22,978.00 (+0.73%) | $795,100 (-) Land $340,600 Building $454,500 | $795,100 (-) Land $340,600 Building $454,500 |
| 2024 | $22,811.00 (+4.97%) | ||
| 2023 | $795,100 Land $340,600 Building $454,500 | $795,100 Land $340,600 Building $454,500 | |
| 2022 | $21,730.00 |
Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030471005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 32 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 32 in force 29 of 32 on primary residences |
| Nearby Flood Claims | 45 (1979–2021) |
| Most Recent Claim | Sep 2021, river or lake flooding, Remnants Of Hurricane Ida |
| Flood Events |
|
| Wildfire Risk | Low above 3% of the US · above 8% of New Jersey |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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