438 Overbrook Rd, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 438 Overbrook Rd, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	3,515 sqft · built 1919
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$999,900 (Aug 2012)
Tax Bill	$26,461 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-03612-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`51-03612-0000-00006`
Alternative APN	`510361200006`

Interior

Stories	2 Stories
Building Area	3,515 sqft Living Area

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Construction Type	Frame
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	438 OVERBROOK RD
City	RIDGEWOOD
State	NJ
Zip	07450-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.258 AC
Legal Block	3612
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	6
Census Block	6015
Census Tract	47500

Owner

438 Overbrook Rd is owned and occupied by two individuals who bought it in August 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	438 OVERBROOK RD, RIDGEWOOD, NJ 07450-3417
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2012 · Amount on File
Deed Sale	Aug 31, 2012 · Amount on File
Deed Document Number	201285027
Deed Book / Page	1137 / 1120
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	438 OVERBROOK RD, RIDGEWOOD, NJ 07450-3417
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043411843
Date	Aug 23, 2021
Book Page	4341/1843
Instrument	2021134650

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 438 Overbrook Rd was $26,461, up 0.7% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ridgewood Village
Unified School District	Ridgewood Village School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$915,600 (-) Land $363,100 Building $552,500	$915,600 (-) Land $363,100 Building $552,500
2025	$26,461.00 (+0.73%)	$915,600 Land $363,100 Building $552,500	$915,600 Land $363,100 Building $552,500
2024	$26,268.00
2023		$915,600 Land $363,100 Building $552,500	$915,600 Land $363,100 Building $552,500
2022	$25,023.00

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

Flood

FEMA maps place 438 Overbrook Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	2 in force
Nearby Flood Claims	5 (1999–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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

The area around 438 Overbrook Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 409 locations within half a mile, as of December 31, 2025

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