45 Ryan St, Fords, NJ 08863 Property Records

Middlesex County and Woodbridge Township property record for 45 Ryan St, Fords, NJ 08863

Property Summary

Property Type	Single Family Home
Details	1,033 sqft · built 1955
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Apr 2025)
Tax Bill	$10,561 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-00059-03-00170`

Property Details

APN / Parcel Number

Primary APN	`25-00059-03-00170`
Alternative APNs	`2500059000300170` `2153`

Interior

Stories	1 Story
Building Area	1,033 sqft Living Area
1st Floor Area	1,033 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached

Location & Zoning

Account Number	2153
Street Address	45 RYAN ST
City	FORDS
State	NJ
Zip	08863-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NBAR
Legal Description	50.0X100.0
Legal Subdivision	GOODRIDGE PARK
Legal Block	59.3
Legal Lot Number	170
Jurisdiction	MIDDLESEX NJ
Township / Civil Division	WOODBRIDGE
Census Block Group	3
Census Block	3004
Census Tract	3203

Owner

45 Ryan St is owned and occupied by two individuals who bought it in April 2025.

Source: Middlesex County and Woodbridge Township records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 RYAN ST, FORDS, NJ 08863-2113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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

Date	Document
Apr 22, 2025	Deed, Transfer · FHA Mortgage JMAC LENDING INC
Mar 14, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage HAMILTON HOME LOANS INC
Jul 17, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2025 · Amount on File
Deed Sale	Apr 22, 2025 · Amount on File
Prior Sale	Mar 14, 2022 · Amount on File
Deed Document Number	202523390
Deed Book / Page	19708 / 1054
Record Updated	Oct 29, 2026

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Apr 22, 2025
Property Address	45 RYAN ST, FORDS, NJ 08863-2113
Document Number	0000023390
Book / Page	19708 / 1054
Instrument Date	Apr 8, 2025
Instrument	2025023390
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	NU WORLD TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,503.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 RYAN ST, FORDS, NJ 08863-2113

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 RYAN ST, FORDS, NJ 08863-2113
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023391
Date	Apr 22, 2025
Instrument	2025023391

Lender

Name	JMAC LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

March 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MIDDLESEX NJ
Recording Date	Mar 14, 2022
Property Address	45 RYAN ST, FORDS, NJ 08863-2113
Document Number	0000027473
Book / Page	18861 / 307
Instrument Date	Mar 3, 2022
Instrument	2022027473
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	MDK TITLE AGENCY, MAD TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,247.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2327 SOUTHRIDGE DR, E STROUDSBURG, PA 18302-8472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RYAN ST, FORDS, NJ 08863-2113
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027792
Date	Mar 14, 2022
Instrument	2022027792

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX NJ
Property Address	45 RYAN ST, FORDS, NJ 08863-2113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055665
Date	Jul 17, 2019
Book Page	17557/0446
Instrument	2019055665

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 11, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 45 Ryan St was $10,561, up 3.5% from the year before.

Source: Middlesex County and Woodbridge Township assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Middlesex County
County Subdivision	Woodbridge Township
Unified School District	Woodbridge Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,800 (-) Land $20,000 Building $60,800	$80,800 (-) Land $20,000 Building $60,800
2025	$10,561.00 (+3.52%)	$80,800 Land $20,000 Building $60,800	$80,800 Land $20,000 Building $60,800
2024	$10,202.00
2023		$80,800 Land $20,000 Building $60,800	$80,800 Land $20,000 Building $60,800
2022	$9,638.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 45 Ryan St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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 5 (25% premium discount)
Nearby Flood Policies	1 in force

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 45 Ryan St 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	MIDDLESEX WATER COMPANY private · serves 233,376 people · EPA ID NJ1225001
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 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	None 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 595 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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