Bergen County and Ridgewood Village property record for 417 Prospect St, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 2,245 sqft · built 1951 |
| Lot Size | 0.204 acres (8,886 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $577,500 (Jun 2012) |
| Tax Bill | $15,441 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Mar 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04104-0000-00015 |
| Primary APN | 51-04104-0000-00015 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,245 sqft Living Area |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Construction Type | Frame |
| Lot Area | 8,886 sqft (0.204 acres) |
| Lot Dimensions | 148 ft deep x 60 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 417 PROSPECT ST |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-5100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .204 AC |
| Legal Subdivision | VILLAGE/RIDGEWOOD |
| Legal Block | 4104 |
| Legal Lot Number | 15 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 47500 |
417 Prospect St is owned and occupied by two individuals who bought it in June 2012.
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 417 PROSPECT ST, RIDGEWOOD, NJ 07450-5100 |
| 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.
| Date | Document |
|---|---|
| Jul 10, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Mar 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA |
| Jan 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2012 · Amount on File |
| Deed Sale | Jun 25, 2012 · Amount on File |
| Deed Document Number | 201260001 |
| Deed Book / Page | 1076 / 301 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 417 PROSPECT ST, RIDGEWOOD, NJ 07450-5100 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0050321748 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | 5032/1748 |
| Instrument | 2023044755 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 417 PROSPECT ST, RIDGEWOOD, NJ 07450-5100 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0046091485 |
|---|---|
| Date | Mar 7, 2022 |
| Book Page | 4609/1485 |
| Instrument | 2022028674 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 177 Months |
| Due | Dec 15, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 417 PROSPECT ST, RIDGEWOOD, NJ 07450-5100 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045281730 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 4528/1730 |
| Instrument | 2022004033 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 177 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 417 PROSPECT ST, RIDGEWOOD, NJ 07450-5100 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CROSS COUNTRY TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0038481035 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 3848/1035 |
| Instrument | 20-128080 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MILFORD, CT 06461 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 417 Prospect St was $15,441, 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 | $534,300 (-) Land $291,900 Building $242,400 | $534,300 (-) Land $291,900 Building $242,400 | |
| 2025 | $15,441.00 (+0.73%) | $534,300 Land $291,900 Building $242,400 | $534,300 Land $291,900 Building $242,400 |
| 2024 | $15,329.00 | ||
| 2023 | $534,300 Land $291,900 Building $242,400 | $534,300 Land $291,900 Building $242,400 | |
| 2022 | $14,602.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 417 Prospect 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 417 Prospect 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 96% of the US · lower than 89% 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 518 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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