Union County and Berkeley Heights Township property record for 45 Ridge Dr, Berkeley Heights, NJ 07922
| Property Type | Single Family Home |
|---|---|
| Details | 2,650 sqft · built 1968 |
| Lot Size | 0.365 acres (15,899 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (May 2019) |
| Tax Bill | $15,144 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-04603-0000-00012 |
| Primary APN | 01-04603-0000-00012 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,650 sqft Living Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Frame |
| Lot Area | 15,899 sqft (0.365 acres) |
| Lot Dimensions | 150 ft deep x 106 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 45 RIDGE DR |
|---|---|
| City | BERKELEY HEIGHTS |
| State | NJ |
| Zip | 07922-2109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Subdivision | KNOLL HILL SEC B |
| Legal Block | 4603 |
| Legal Lot Number | 12 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | BERKELEY HEIGHTS |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 38201 |
45 Ridge Dr is owned and occupied by two individuals who bought it in May 2019.
Source: Union County and Berkeley Heights Township records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 RIDGE DR, BERKELEY HEIGHTS, NJ 07922-2109 |
| 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.
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust, Mortgage · Line of Credit TD BANK |
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| May 1, 2019 | Grant Deed, Transfer NFTS TITLE AGENCY LLC, NRT TITLE AGCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2019 · Amount on File |
| Deed Sale | May 1, 2019 · Amount on File |
| Prior Sale | Apr 28, 2009 · Amount on File |
| Deed Document Number | 2019312254 |
| Deed Book / Page | 6319 / 862 |
| Prior Transfer Date | Mar 18, 2003 |
| Prior Transfer Doc | 5366000952 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Oct 9, 2026 |
| Property Address | 45 RIDGE DR, BERKELEY HEIGHTS, NJ 07922-2109 |
| Document Number | 0000098183 |
| Book / Page | 15868 / 2605 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202698183 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | SERVICELINK, SERVICELINK TITLE |
| Name | Verified Name |
|---|---|
| Address | 45 RIDGE DR, BERKELEY HEIGHTS, NJ 07922-2109 |
| Document Number | 0000098183, |
|---|---|
| Date | Oct 9, 2026 |
| Book Page | 15868/2605 |
| Instrument | 202698183 |
| Name | TD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 45 RIDGE DR, BERKELEY HEIGHTS, NJ 07922-2109 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | INDEED ABSTRACT INC |
| Name | Verified Name |
|---|
| Document Number | 0149092582 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 14909/2582 |
| Instrument | 6933 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | May 1, 2019 |
| Property Address | 45 RIDGE DR, BERKELEY HEIGHTS, NJ 07922-2109 |
| Document Number | 0063190862 |
| Book / Page | 006319 / 000862 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 312254 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | NFTS TITLE AGENCY LLC, NRT TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $650.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 RIDGE DR BERKELEY HEIGHTS NJ 079222109, BERKELEY HEIGHTS, NJ 07922-2109 |
The 2025 property tax bill for 45 Ridge Dr was $15,144, up 2.7% from the year before.
Source: Union County and Berkeley Heights Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Berkeley Heights Township |
| Unified School District | Berkeley Heights Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $344,100 (-) Land $139,600 Building $204,500 | $344,100 (-) Land $139,600 Building $204,500 | |
| 2025 | $15,144.00 (+2.66%) | $344,100 Land $139,600 Building $204,500 | $344,100 Land $139,600 Building $204,500 |
| 2024 | $14,751.00 | ||
| 2023 | $344,100 Land $139,600 Building $204,500 | $344,100 Land $139,600 Building $204,500 | |
| 2022 | $14,448.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Ridge Dr 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 September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 units insured incl. 12 condo units |
| Nearby Flood Claims | 5 (1984–2025) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
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 risk around 45 Ridge Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | NJ AMERICAN WATER - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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