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405 Stevens Ave, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 405 Stevens Ave, Ridgewood, NJ 07450

Property Summary

Property TypeSingle Family Home
Details3,671 sqft · built 2024
Lot Size0.64 acres (27,878 sqft)
Owner2 Individual Names on File
Last Sale$2,200,000 (Apr 2025)
Tax Bill$16,511 (2025)
Deeds & MortgagesJul 2024 Sale & Construction Loan
Jan 2020 Transfer
Flood ZoneZone X (minimal risk)
APN51-04401-0000-00046

Property Details

APN / Parcel Number

Primary APN51-04401-0000-00046
Alternative APN
  • 510440100046

Interior

Stories1 Story
Building Area3,671 sqft Living Area
1st Floor Area3,671 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Construction TypeFrame
Lot Area27,878 sqft (0.64 acres)
Lot Dimensions258 ft deep x 106 ft wide
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address405 STEVENS AVE
CityRIDGEWOOD
StateNJ
Zip07450-5414
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal Description.640 AC
Legal SubdivisionVILLAGE/RIDGEWOOD
Legal Block4401
Legal Lot Number46
JurisdictionBERGEN NJ
Township / Civil DivisionRIDGEWOOD
Census Block Group3
Census Block3002
Census Tract47500

Owner

Source: Bergen County and Ridgewood Village records · APN 51-04401-0000-00046

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 Record2 Individual Names on File
Mailing Address405 STEVENS AVE, RIDGEWOOD, NJ 07450-5414
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 12, 2024Deed, Construction Loan · Construction Mortgage
UNITY BANK
Jan 29, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 07, 2025 · Amount on Record
Deed SaleApr 07, 2025 · Amount on Record
Prior SaleJul 12, 2024 · Amount on Record
Deed Document Number20254
Deed Book / Page5474 / 1367
Prior Transfer DateDec 05, 2019
Prior Transfer Doc0034810765
Record UpdatedSep 20, 2026

July 2024: Deed, Construction Loan

Document TypeDeed
JurisdictionBERGEN NJ
Recording DateJul 12, 2024
Property Address405 STEVENS AVE, RIDGEWOOD, NJ 07450-5414
Document Number0052801618
Book / Page5280 / 1618
Instrument DateJun 03, 2024
Instrument2024042140
Transaction TypeConstruction Loan
Record UpdatedOct 30, 2025
Title CompanyCARNEGIE TITLE LLC

Transaction

AmountAmount Recorded
Tax$3,597.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address311 SICOMAC AVE APT 201, 201, WYCKOFF, NJ 07481-2121

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address405 STEVENS AVE, RIDGEWOOD, NJ 07450-5414

Mortgage

Document Number2024042141
DateJul 12, 2024
Instrument2024042141
Lender
NameUNITY BANK
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term11 Months
DueJun 17, 2025
Interest
Rate TypeAdjustable Rate
Rate9.5%
Type Change DateJul 17, 2024
Change Frequency6 Months
Min Rate At Change9.5%
Max Rate At Change18%
IndexSOFR Average 30-Day
Margin1
Max Rate18%

January 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBERGEN NJ
Recording DateJan 29, 2020
Property Address405 STEVENS AVE, RIDGEWOOD, NJ 07450-5414
Document Number0034810765
Book / Page003481 / 000765
Instrument DateDec 05, 2019
Instrument20009852
Transaction TypeTransfer
Record UpdatedApr 13, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 STEVENS AVE RIDGEWOOD NJ 074505414, RIDGEWOOD, NJ 07450-5414

Tax Assessment & Valuation

Source: Bergen County and Ridgewood Village records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityRidgewood Village
Unified School DistrictRidgewood Village School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$992,700 (+73.76%) Land $386,500 Building $606,200$992,700 (+73.76%) Land $386,500 Building $606,200
2025$16,511.00 (+0.73%)$571,300 (-) Land $386,500 Building $184,800$571,300 (-) Land $386,500 Building $184,800
2024$16,391.00 (+6.69%)
2023$571,300 Land $386,500 Building $184,800$571,300 Land $386,500 Building $184,800
2022$15,363.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), as of December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030475003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims11 (1999–2021)
Claims Outside the SFHA7 of 11
Most Recent ClaimSep 2021 · Remnants Of Hurricane Ida
Claims by Event
  • Remnants Of Hurricane Ida, Sep 2021 · 2 claims
  • Hurricane Irene, Aug 2011 · 4 claims
  • Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

Wildfire

Wildfire RiskLow
lower than 98% of the US · lower than 94% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Optimum Communications
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 USA
Fixed Wireless		100 / 20

Based on FCC filings for 303 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NJ0251001, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemRIDGEWOOD WATER
serves 61,700 people
Water SourcePurchased surface water from several systems
Last State InspectionMar 2024
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2019
Monitoring and Reporting7
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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