Bergen County and Ridgewood Village property record for 451 E Saddle River Rd, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 3,156 sqft · built 1986 |
| Lot Size | 0.564 acres (24,568 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $785,000 (Sep 2018) |
| Tax Bill | $20,880 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04804-0000-00001-02 |
| Primary APN | 51-04804-0000-00001-02 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,156 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Cape Cod |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 24,568 sqft (0.564 acres) |
| Lot Dimensions | 209 ft deep x 118 ft wide |
| Street Address | 451 E SADDLE RIVER RD |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-2019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R125 |
| Legal Description | .564 AC |
| Legal Subdivision | RIDGEWOOD |
| Legal Block | 4804 |
| Legal Lot Number | 1.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 47100 |
Source: Bergen County and Ridgewood Village records, as of October 13, 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 | 451 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 28, 2018 | Deed with Mortgage, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2018 · Amount on Record |
| Deed Sale | Sep 28, 2018 · Amount on Record |
| Prior Sale | Dec 8, 2005 · Amount on Record |
| Deed Document Number | 201818-069398 |
| Deed Book / Page | 3066 / 2478 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 451 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 451 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Investor | Possibly a Property Investor |
| Document Number | 0050420208 |
|---|---|
| Date | Jul 21, 2023 |
| Book Page | 5042/208 |
| Instrument | 2023047809 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 451 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0038661598 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 3866/1598 |
| Instrument | 20-133351 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 451 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Document Number | 0032862212 |
| Instrument Date | Jun 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2019 |
| Title Company | GRANDVIEW TITLE AGENCY/BERGEN CN, GRANDVIEW TITLE AGCY/BERGEN CN |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 451 E SADDLE RIVER RD RIDGEWOOD NJ 074502019, RIDGEWOOD, NJ 07450-2019 |
| Document Number | 0032862212 |
|---|---|
| Date | Jul 5, 2019 |
| Book Page | 003286/002212 |
| Instrument | 43235 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 4, 2049 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 28, 2018 |
| Property Address | 451 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Document Number | 0030662478 |
| Book / Page | 003066 / 002478 |
| Instrument Date | Sep 18, 2018 |
| Instrument | 69398 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | GRANDVIEW TITLE AGENCY/BERGEN CN, GRANDVIEW TITLE AGCY/BERGEN CN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $785.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 451 E SADDLE RIVER RD RIDGEWOOD NJ 074502019, RIDGEWOOD, NJ 07450-2019 |
| Document Number | 30670001 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 003067/000001 |
| Instrument | 69398 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 27, 2048 |
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 | $722,500 (-) Land $291,300 Building $431,200 | $722,500 (-) Land $291,300 Building $431,200 | |
| 2025 | $20,880.00 (+0.73%) | $722,500 (+3.21%) Land $291,300 Building $431,200 | $722,500 (+3.21%) Land $291,300 Building $431,200 |
| 2024 | $20,728.00 (+8.35%) | ||
| 2023 | $700,000 Land $291,300 Building $408,700 | $700,000 Land $291,300 Building $408,700 | |
| 2022 | $19,131.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 31 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 80 (1980–2024) |
| Claims Outside the SFHA | 2 of 80 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| 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 99.1% of the US · lower than 97.3% 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 329 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum 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 Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures