Bergen County and Ridgewood Village property record for 392 Stevens Ave, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 2,801 sqft · built 1927 |
| Lot Size | 0.218 acres (9,496 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,350,000 (Nov 2023) |
| Tax Bill | $19,126 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04403-0000-00002 |
| Primary APN | 51-04403-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,801 sqft Living Area |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Construction Type | Frame |
| Lot Area | 9,496 sqft (0.218 acres) |
| Lot Dimensions | 153 ft deep x 62 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 392 STEVENS AVE |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-5417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .218 AC |
| Legal Subdivision | RIDGEWOOD |
| Legal Block | 4403 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 47500 |
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 | 392 STEVENS AVE, RIDGEWOOD, NJ 07450-5417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 14, 2023 | Deed, Transfer · Conventional Mortgage CITIBANK NA |
| Jan 12, 2023 | Deed, Transfer · Conventional Mortgage UNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2023 · Amount on Record |
| Deed Sale | Nov 14, 2023 · Amount on Record |
| Prior Sale | Jan 12, 2023 · Amount on Record |
| Deed Document Number | 202373932 |
| Deed Book / Page | 5124 / 774 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 14, 2023 |
| Property Address | 392 STEVENS AVE, RIDGEWOOD, NJ 07450-5417 |
| Document Number | 0051240774 |
| Book / Page | 5124 / 774 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 2023073932 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 735 TERRACE HTS, WYCKOFF, NJ 07481-1032 |
| Name | Verified Name |
|---|---|
| Address | 392 STEVENS AVE, RIDGEWOOD, NJ 07450-5417 |
| Document Number | 2023073933 |
|---|---|
| Date | Nov 14, 2023 |
| Instrument | 2023073933 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2043 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 12, 2023 |
| Property Address | 392 STEVENS AVE, RIDGEWOOD, NJ 07450-5417 |
| Document Number | 0049040607 |
| Book / Page | 4904 / 607 |
| Instrument Date | Dec 13, 2022 |
| Instrument | 2023003652 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,994.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 366 KINDERKAMACK RD, WESTWOOD, NJ 07675-1675 |
| Name | Verified Name |
|---|---|
| Address | 392 STEVENS AVE, RIDGEWOOD, NJ 07450-5417 |
| Document Number | 2023003653 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 2023003653 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 23 Months |
| Due | Dec 14, 2024 |
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 | $661,800 (-) Land $312,900 Building $348,900 | $661,800 (-) Land $312,900 Building $348,900 | |
| 2025 | $19,126.00 (+0.73%) | $661,800 (+42.35%) Land $312,900 Building $348,900 | $661,800 (+42.35%) Land $312,900 Building $348,900 |
| 2024 | $18,987.00 (+52.44%) | ||
| 2023 | $464,900 (-) Land $312,900 Building $152,000 | $464,900 (-) Land $312,900 Building $152,000 | |
| 2022 | $12,455.00 (+0.94%) Widower's exemption | $464,900 Land $312,900 Building $152,000 | $464,900 Land $312,900 Building $152,000 |
| 2021 | $12,339.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 303 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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