4 Ridgeway Ter, Spring Valley, NY 10977 Property Records

Rockland County and Ramapo Town property record for 4 Ridgeway Ter, Spring Valley, NY 10977

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,697 sqft · built 1960
Lot Size	0.84 acres (36,590 sqft)
Owner	2 Individual Names on File
Last Sale	$692,000 (Feb 2022)
Tax Bill	$13,184 (2024)
Deeds & Mortgages	May 2026 Line of Credit Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`392611 41.16-2-11`

Property Details

APN / Parcel Number

Primary APN	`392611 41.16-2-11`
Alternative APNs	`392611-041-016-0002-011-000-000` `261104101600020110000000` `00375020000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,697 sqft Living Area
1st Floor Area	1,146 sqft
Basement Area	551 sqft
Finished Basement	551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Raised Ranch
Exterior Material	Composition/Composite
Lot Area	36,590 sqft (0.84 acres)
Lot Dimensions	192 ft deep x 196 ft wide
View / Lot	Suburban
Garage Type	Basement
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00375020000
Street Address	4 RIDGEWAY TER
City	SPRING VALLEY
State	NY
Zip	10977-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HOLIDAY HOMES
Legal Block	2
Legal Lot Number	11.0
Jurisdiction	ROCKLAND NY
Township / Civil Division	RAMAPO
Census Block Group	2
Census Block	2015
Census Tract	11507

Owner

4 Ridgeway Ter is owned and occupied by two individuals who bought it in February 2022.

Source: Rockland County and Ramapo Town records, as of June 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 RIDGEWAY TER, SPRING VALLEY, NY 10977-1304
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.

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Line of Credit LEAD BANK
Feb 16, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2017	Bargain and Sale Deed, Transfer · Conventional Mortgage MB FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2022 · Amount on File
Deed Sale	Feb 16, 2022 · Amount on File
Prior Sale	May 23, 2017 · Amount on File
Deed Document Number	20226411
Prior Transfer Date	Mar 6, 2007
Prior Transfer Doc	2007020543
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKLAND NY
Recording Date	May 28, 2026
Property Address	4 RIDGEWAY TER, SPRING VALLEY, NY 10977-1304
Document Number	0000018251
Instrument Date	May 26, 2026
Instrument	202618251
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018251,
Date	May 28, 2026
Instrument	202618251

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 26, 2056

Interest

Rate	6.3%
Max Rate	-1%

February 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ROCKLAND NY
Recording Date	Feb 16, 2022
Property Address	4 RIDGEWAY TER, SPRING VALLEY, NY 10977-1304
Document Number	0000006411
Map Reference	BK 61 PG 63 MAP 2778
Instrument Date	Feb 8, 2022
Instrument	2022-00006411
Transaction Type	Transfer
Record Updated	Mar 9, 2022
Title Company	LAND TRACK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,768.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1426 42ND ST, 1426, BROOKLYN, NY 11219-1688

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 VAN NATTA DR, RINGWOOD, NJ 07456-1412

Mortgage

Document Number	0000006412
Date	Feb 16, 2022
Instrument	2022-00006412

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ROCKLAND NY
Recording Date	May 23, 2017
Property Address	4 RIDGEWAY TER, SPRING VALLEY, NY 10977-1304
Document Number	0000016554
Map Reference	MB 61 PG 63
Instrument Date	May 15, 2017
Instrument	2017-00016554
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 RIDGEWAY TER, 4, SPRING VALLEY, NY 10977-1304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1426 42ND ST, BROOKLYN, NY 11219-1688

Mortgage

Document Number	0000016555
Date	May 23, 2017
Instrument	2017-00016555

Lender

Name	MB FINANCIAL BANK NA
Type	Bank
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Rockland County and Ramapo Town assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Ramapo Town
Municipality	Wesley Hills Village
Unified School District	East Ramapo Central School District (Spring Valley) (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$13,184.00	$53,400 (-) Land $20,600 Building $32,800	$53,400 (-) Land $20,600 Building $32,800
2023		$53,400 Land $20,600 Building $32,800	$53,400 Land $20,600 Building $32,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4 Ridgeway Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

Source: FEMA National Flood Hazard Layer, effective August 19, 2025 · 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	4 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2023 · rainfall accumulation

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

Wildfire risk around 4 Ridgeway Ter 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 96% of the US · lower than 95% of New York
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VEOLIA WATER NEW YORK private · serves 270,000 people · EPA ID NY4303673
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Nearby Properties on Ridgeway Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures