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427 Stuart St, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 427 Stuart St, Ridgewood, NJ 07450

Property Summary

Property TypeSingle Family Home
Details1,410 sqft · built 1952
Lot Size0.149 acres (6,490 sqft)
Owner2 Individual Names on Record
Last Sale$353,500 (Jul 2011)
Tax Bill$10,699 (2025)
Deeds & MortgagesJun 2021 Mortgage
Sep 2020 Mortgage
Flood ZoneZone AE (high risk)
APN51-03107-0000-00018

Property Details

APN / Parcel Number

Primary APN51-03107-0000-00018
Alternative APN
  • 510310700018

Interior

Building Area1,410 sqft Living Area

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Lot Area6,490 sqft (0.149 acres)
Lot Dimensions100 ft deep x 65 ft wide
Parking Spaces1 Parking Space

Location & Zoning

Street Address427 STUART ST
CityRIDGEWOOD
StateNJ
Zip07450-1712
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal Description.149 AC
Legal Block3107
Legal Lot Number18
JurisdictionBERGEN NJ
Township / Civil DivisionRIDGEWOOD
Census Block Group4
Census Block4000
Census Tract47100

Owner

Source: Bergen County and Ridgewood Village records, as of June 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address427 STUART ST, RIDGEWOOD, NJ 07450-1712
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2021Deed of Trust, Mortgage · Conventional Mortgage
BOND STREET MORTGAGE LLC
Sep 11, 2020Deed of Trust, Mortgage · Conventional Mortgage
BOND STREET MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 25, 2011 · Amount on Record
Deed SaleJul 25, 2011 · Amount on Record
Deed Document Number20117930602
Deed Book / Page793 / 602
Record UpdatedSep 20, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address427 STUART ST, RIDGEWOOD, NJ 07450-1712
Transaction TypeMortgage
Record UpdatedAug 30, 2021
Title CompanyFOUNDATION TITLE AGENCY, FOUNDATION TTL LLC HACKENSAC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0042440901
DateJun 29, 2021
Book Page4244/901
Instrument2021105034
Lender
NameBOND STREET MORTGAGE LLC
TypeMortgage Company
AddressPARAMUS, NJ 07652
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address427 STUART ST, RIDGEWOOD, NJ 07450-1712
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFOUNDATION TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037010326
DateSep 11, 2020
Book Page3701/326
Instrument20-083850
Lender
NameBOND STREET MORTGAGE LLC
TypeMortgage Company
AddressPARAMUS, NJ 07652
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term179 Months
DueAug 1, 2035

Tax Assessment & Valuation

Source: Bergen County and Ridgewood Village assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$370,200 (-) Land $245,100 Building $125,100$370,200 (-) Land $245,100 Building $125,100
2025$10,699.00 (+0.73%)$370,200 (-) Land $245,100 Building $125,100$370,200 (-) Land $245,100 Building $125,100
2024$10,621.00 (+4.98%)
2023$370,200 Land $245,100 Building $125,100$370,200 Land $245,100 Building $125,100
2022$10,117.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 40 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies40 in force
Nearby Flood Claims82 (1984–2021)
Claims Outside the SFHA15 of 82
Most Recent ClaimSep 2021 · Remnants Of Hurricane Ida
Claims by Event
  • Remnants Of Hurricane Ida, Sep 2021 · 5 claims
  • Hurricane Irene, Aug 2011 · 37 claims
  • Hurricane Floyd Major Disaster Declarations, Sep 1999 · 29 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 97.3% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemRIDGEWOOD WATER
serves 61,700 people · EPA ID NJ0251001
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, 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 362 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber		2,300 / 2,300
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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