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442 Stevens Ave, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 442 Stevens Ave, Ridgewood, NJ 07450

Property Summary

Property TypeSingle Family Home
Details2,129 sqft · built 1930
Lot Size0.231 acres (10,062 sqft)
Owner2 Individual Names on File
Last Sale$5,990 (Dec 2020)
Tax Bill$16,372 (2025)
Deeds & MortgagesSep 2021 Mortgage
Dec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN51-04405-0000-00005

Property Details

APN / Parcel Number

Primary APN51-04405-0000-00005
Alternative APN
  • 510440500005

Interior

Stories2 Stories
Building Area2,129 sqft Living Area

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Lot Area10,062 sqft (0.231 acres)
Lot Dimensions155 ft deep x 65 ft wide
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address442 STEVENS AVE
CityRIDGEWOOD
StateNJ
Zip07450-5437
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal Description.231 AC
Legal Block4405
Legal Lot Number5
JurisdictionBERGEN NJ
Township / Civil DivisionRIDGEWOOD
Census Block Group3
Census Block3004
Census Tract47500

Owner

Source: Bergen County and Ridgewood Village assessment roll, APN 51-04405-0000-00005, as of 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 Record2 Individual Names on File
Mailing Address442 STEVENS AVE, RIDGEWOOD, NJ 07450-5437
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HOME LOANS INC
Dec 07, 2020Bargain and Sale Deed, Transfer · Conventional Mortgage
SHINHAN BANK AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 07, 2020 · Amount on Record
Deed SaleDec 07, 2020 · Amount on Record
Prior SaleJun 19, 1967 · Amount on Record
Deed Document Number2020128931
Deed Book / Page3851 / 1221
Record UpdatedSep 20, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address442 STEVENS AVE, RIDGEWOOD, NJ 07450-5437
Transaction TypeMortgage
Record UpdatedNov 08, 2021
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0043931827
DateSep 27, 2021
Book Page4393/1827
Instrument2021150438
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

December 2020: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionBERGEN NJ
Recording DateDec 07, 2020
Property Address442 STEVENS AVE, RIDGEWOOD, NJ 07450-5437
Document Number0038511221
Book / Page3851 / 1221
Instrument DateOct 21, 2020
Instrument20-128931
Transaction TypeTransfer
Record UpdatedNov 02, 2021
Title CompanyNORTH BERGEN TITLE AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,399.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2995 CHAPEL AVE W # W1C, 2995, CHERRY HILL, NJ 08002-3902

Transferred To (Grantee/Buyer)

NameVerified Name
Address442 STEVENS AVE, RIDGEWOOD, NJ 07450-5437

Mortgage

Document Number20128932
DateDec 07, 2020
Instrument20-128932
Lender
NameSHINHAN BANK AMERICA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueNov 01, 2050
Interest
Rate TypeAdjustable Rate
Rate3.97%
Type Change DateNov 01, 2025
Change FrequencyAnnually
Min Rate At Change3.97%
Max Rate At Change5.97%
Index1-Year CMT
Max Rate8.97%

Tax Assessment & Valuation

Source: Bergen County and Ridgewood Village assessment roll as of June 29, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$566,500 (-) Land $315,300 Building $251,200$566,500 (-) Land $315,300 Building $251,200
2025$16,372.00 (+0.74%)$566,500 (-) Land $315,300 Building $251,200$566,500 (-) Land $315,300 Building $251,200
2024$16,252.00 (+4.97%)
2023$566,500 Land $315,300 Building $251,200$566,500 Land $315,300 Building $251,200
2022$15,482.00

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims11 (1999–2021)
Claims Outside the SFHA7 of 11
Most Recent ClaimSep 2021 · Remnants Of Hurricane Ida
Claims by Event
  • Remnants Of Hurricane Ida, Sep 2021 · 2 claims
  • Hurricane Irene, Aug 2011 · 4 claims
  • Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

Wildfire

Wildfire RiskLow
lower than 94% of the US · lower than 83% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, 303 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax 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

Drinking Water

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 SystemRIDGEWOOD WATER
serves 61,700 people
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 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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