Bergen County and Ridgewood Village property record for 351 Gilbert St, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 1,794 sqft · built 1949 |
| Lot Size | 0.149 acres (6,490 sqft) |
| Owner | Individual Name on File |
| Last Sale | $660,000 (Dec 2022) |
| Tax Bill | $12,369 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04012-0000-00023 |
| Primary APN | 51-04012-0000-00023 |
|---|---|
| Alternative APN |
|
| Units | 2 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,794 sqft Living Area |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Duplex Single |
| Lot Area | 6,490 sqft (0.149 acres) |
| Lot Dimensions | 114 ft deep x 65 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 351 GILBERT ST |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-5115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | .149 AC |
| Legal Subdivision | GAYWORTHY CONST CO |
| Legal Block | 4012 |
| Legal Lot Number | 23 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 47500 |
351 Gilbert St is owned by an individual who bought it in December 2022.
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6 SILVERTAIL RD, CHESTER, NY 10918-3204 |
| 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 |
|---|---|
| Dec 12, 2022 | Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 2022 · Amount on File |
| Deed Sale | Dec 12, 2022 · Amount on File |
| Prior Sale | Oct 9, 2015 · Amount on File |
| Deed Document Number | 2022114168 |
| Deed Book / Page | 4881 / 275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 12, 2022 |
| Property Address | 351 GILBERT ST, RIDGEWOOD, NJ 07450-5115 |
| Document Number | 0048810275 |
| Book / Page | 4881 / 275 |
| Instrument Date | Dec 5, 2022 |
| Instrument | 2022114168 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,821.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 351 GILBERT ST, RIDGEWOOD, NJ 07450-5115 |
| Name | Verified Name |
|---|---|
| Address | 351 GILBERT ST, RIDGEWOOD, NJ 07450-5115 |
| Document Number | 2022114169 |
|---|---|
| Date | Dec 12, 2022 |
| Instrument | 2022114169 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 351 GILBERT ST, RIDGEWOOD, NJ 07450-5115 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045400635 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 4540/635 |
| Instrument | 2022007153 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 351 Gilbert St was $12,369, up 0.7% from the year before.
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 | $428,000 (-) Land $266,000 Building $162,000 | $428,000 (-) Land $266,000 Building $162,000 | |
| 2025 | $12,369.00 (+0.73%) | $428,000 Land $266,000 Building $162,000 | $428,000 Land $266,000 Building $162,000 |
| 2024 | $12,279.00 | ||
| 2023 | $428,000 Land $266,000 Building $162,000 | $428,000 Land $266,000 Building $162,000 | |
| 2022 | $11,609.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 351 Gilbert St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1999.
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 | 3 in force |
| Nearby Flood Claims | 4 (1999–2021) |
| Claims Outside the SFHA | 2 of 4 |
| 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 351 Gilbert 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 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 385 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 |
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