Bergen County and Ridgewood Village property record for 432 Stevens Ave, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 2,664 sqft · built 1947 |
| Lot Size | 0.899 acres (39,160 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $249,000 (Jul 1994) |
| Tax Bill | $25,051 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04405-0000-00004 |
| Primary APN | 51-04405-0000-00004 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,664 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 39,160 sqft (0.899 acres) |
| Lot Dimensions | 522 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 432 STEVENS AVE |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-5437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .899 AC |
| Legal Block | 4405 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 3 |
| Census Block | 3004 |
| 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 | 432 STEVENS AVE, RIDGEWOOD, NJ 07450-5437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Apr 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Jul 10, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 1994 · Amount on Record |
| Deed Sale | Jul 13, 1994 · Amount on Record |
| Deed Book / Page | 7712 / 868 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 28, 2026 |
| Property Address | 432 STEVENS AVE, RIDGEWOOD, NJ 07450-5437 |
| Document Number | 0000035481 |
| Book / Page | 5807 / 825 |
| Instrument Date | May 8, 2026 |
| Instrument | 202635481 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 432 STEVENS AVE, RIDGEWOOD, NJ 07450-5437 |
| Document Number | 0000035481, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 5807/825 |
| Instrument | 202635481 |
| Name | UBS BANK USA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 432 STEVENS AVE, RIDGEWOOD, NJ 07450-5437 |
| Document Number | 0032410618 |
| Instrument Date | Apr 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2019 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 432 STEVENS AVE RIDGEWOOD NJ 074505437, RIDGEWOOD, NJ 07450-5437 |
| Document Number | 0032410618 |
|---|---|
| Date | May 13, 2019 |
| Book Page | 003241/000618 |
| Instrument | 29743 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 12, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 432 STEVENS AVE, RIDGEWOOD, NJ 07450-5437 |
| Document Number | 0026920525 |
| Instrument Date | Jul 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 432 STEVENS AVE RIDGEWOOD NJ 074505437, RIDGEWOOD, NJ 07450-5437 |
| Document Number | 0026920525 |
|---|---|
| Date | Aug 11, 2017 |
| Book Page | 002692/000525 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 10, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $866,800 (-) Land $431,600 Building $435,200 | $866,800 (-) Land $431,600 Building $435,200 | |
| 2025 | $25,051.00 (+0.74%) | $866,800 (-) Land $431,600 Building $435,200 | $866,800 (-) Land $431,600 Building $435,200 |
| 2024 | $24,868.00 (+4.98%) | ||
| 2023 | $866,800 Land $431,600 Building $435,200 | $866,800 Land $431,600 Building $435,200 | |
| 2022 | $23,689.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 11 (1999–2021) |
| Claims Outside the SFHA | 7 of 11 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 94% of the US · lower than 83% of New Jersey |
|---|---|
| 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.
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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