Bergen County and Ridgewood Village property record for 439 Stevens Ave, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 2,931 sqft · built 1929 |
| Lot Size | 0.498 acres (21,693 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $738,500 (Sep 2019) |
| Tax Bill | $21,328 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04401-0000-00042 |
| Primary APN | 51-04401-0000-00042 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,931 sqft Living Area |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 21,693 sqft (0.498 acres) |
| Lot Dimensions | 294 ft deep x 74 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 439 STEVENS AVE |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-5416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .498 AC |
| Legal Block | 4401 |
| Legal Lot Number | 42 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 47500 |
Source: Bergen County and Ridgewood Village records · APN 51-04401-0000-00042
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 439 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| May 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 27, 2019 | Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 27, 2019 · Amount on Record |
| Deed Sale | Sep 27, 2019 · Amount on Record |
| Prior Sale | May 31, 2012 · Amount on Record |
| Deed Document Number | 201964034 |
| Deed Book / Page | 3360 / 1272 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 439 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0048101769 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 4810/1769 |
| Instrument | 2022092084 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 08, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 439 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0041261688 |
|---|---|
| Date | May 06, 2021 |
| Book Page | 4126/1688 |
| Instrument | 2021070979 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 27, 2019 |
| Property Address | 439 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Document Number | 0033601272 |
| Book / Page | 3360 / 1272 |
| Instrument Date | Aug 26, 2019 |
| Instrument | 19-064034 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 439 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Document Number | 1906403401 |
|---|---|
| Date | Sep 27, 2019 |
| Instrument | 19-064034.01 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0033601272 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 3360/1272 |
| Instrument | 19-064034 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
Source: Bergen County and Ridgewood Village records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ridgewood Village |
| Unified School District | Ridgewood Village School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $738,000 (-) Land $361,700 Building $376,300 | $738,000 (-) Land $361,700 Building $376,300 | |
| 2025 | $21,328.00 (+0.73%) | $738,000 (+14.79%) Land $361,700 Building $376,300 | $738,000 (+14.79%) Land $361,700 Building $376,300 |
| 2024 | $21,173.00 (+20.51%) | ||
| 2023 | $642,900 Land $361,700 Building $281,200 | $642,900 Land $361,700 Building $281,200 | |
| 2022 | $17,570.00 |
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
| 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 |
|
| 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 at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
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 System | RIDGEWOOD WATER serves 61,700 people |
|---|---|
| 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 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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