Bergen County and Ridgewood Village property record for 445 Colonial Rd, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 3,802 sqft · built 1925 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $157,000 (Nov 2012) |
| Tax Bill | $41,480 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Aug 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-03605-0000-00016 |
| Primary APN | 51-03605-0000-00016 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,802 sqft Living Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Construction Type | Frame |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 445 COLONIAL RD |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-3405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .344 AC |
| Legal Subdivision | VILLAGE/RIDGEWOOD |
| Legal Block | 3605 |
| Legal Lot Number | 16 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 6 |
| Census Block | 6008 |
| 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 | 445 COLONIAL RD, RIDGEWOOD, NJ 07450-3405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Aug 19, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 7, 2022 | Deed, Transfer WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2012 · Amount on Record |
| Deed Sale | Nov 15, 2012 · Amount on Record |
| Prior Sale | Oct 2, 2006 · Amount on Record |
| Deed Document Number | 2012106581 |
| Deed Book / Page | 1193 / 1111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 445 COLONIAL RD, RIDGEWOOD, NJ 07450-3405 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0051400044 |
|---|---|
| Date | Dec 11, 2023 |
| Book Page | 5140/44 |
| Instrument | 2023079077 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 27, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 445 COLONIAL RD, RIDGEWOOD, NJ 07450-3405 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 445 COLONIAL RD, RIDGEWOOD, NJ 07450-3405 |
| Document Number | 0047790014 |
|---|---|
| Date | Aug 19, 2022 |
| Book Page | 4779/14 |
| Instrument | 2022082292 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 445 COLONIAL RD, RIDGEWOOD, NJ 07450-3405 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0046550372 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | 4655/372 |
| Instrument | 2022042948 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 7, 2022 |
| Property Address | 445 COLONIAL RD, RIDGEWOOD, NJ 07450-3405 |
| Document Number | 0045710983 |
| Book / Page | 4571 / 983 |
| Instrument Date | Jan 21, 2022 |
| Instrument | 2022016506 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2022 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $27,862.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 81 OVERLOOK RD, 81, MORRISTOWN, NJ 07960-5805 |
| Name | Verified Name |
|---|---|
| Address | 445 COLONIAL RD, RIDGEWOOD, NJ 07450-3405 |
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 | $1,435,300 (-) Land $417,500 Building $1,017,800 | $1,435,300 (-) Land $417,500 Building $1,017,800 | |
| 2025 | $41,480.00 (+0.73%) | $1,435,300 (-) Land $417,500 Building $1,017,800 | $1,435,300 (-) Land $417,500 Building $1,017,800 |
| 2024 | $41,178.00 (-0.28%) | ||
| 2023 | $1,435,300 Land $417,500 Building $1,017,800 | $1,435,300 Land $417,500 Building $1,017,800 | |
| 2022 | $41,292.00 |
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 |
|---|---|
| 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 |
|
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 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 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 |
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