Bergen County and Ridgewood Village property record for 453 Stevens Ave, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 3,206 sqft · built 2020 |
| Lot Size | 0.364 acres (15,856 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $999,999 (Jun 2020) |
| Tax Bill | $25,519 (2025) |
| Deeds & Mortgages | Jan 2020 Refinance Jun 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04401-0000-00038 |
| Primary APN | 51-04401-0000-00038 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,206 sqft Living Area |
| 1st Floor Area | 3,206 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Frame |
| Lot Area | 15,856 sqft (0.364 acres) |
| Lot Dimensions | 194 ft deep x 86 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 453 STEVENS AVE |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-5416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .364 AC |
| Legal Block | 4401 |
| Legal Lot Number | 38 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 47500 |
Source: Bergen County and Ridgewood Village assessment roll, APN 51-04401-0000-00038, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 453 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITY BANK |
| Jun 04, 2020 | Deed, Transfer · Conventional Mortgage VAST BANK NA |
| Nov 07, 2019 | Deed, Transfer · Stand-Alone First Mortgage MISCELLANEOUS BANK |
| Apr 21, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 04, 2020 · Amount on Record |
| Deed Sale | Jun 04, 2020 · Amount on Record |
| Prior Sale | Nov 07, 2019 · Amount on Record |
| Deed Document Number | 202055160 |
| Deed Book / Page | 3615 / 749 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 453 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034710939 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 3471/939 |
| Instrument | 2020006553 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 04, 2020 |
| Property Address | 453 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Document Number | 0036150749 |
| Book / Page | 3615 / 749 |
| Instrument Date | May 28, 2020 |
| Instrument | 20-055160 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2021 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 111 S VAN DIEN AVE, 111, RIDGEWOOD, NJ 07450-4625 |
| Name | Verified Name |
|---|---|
| Address | 453 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Document Number | 20055161 |
|---|---|
| Date | Jun 04, 2020 |
| Instrument | 20-055161 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 07, 2019 |
| Property Address | 453 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Document Number | 0034001500 |
| Book / Page | 3400 / 1500 |
| Instrument Date | Aug 08, 2019 |
| Instrument | 19-075880 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2021 |
| Title Company | MISC COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 453 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Document Number | 1907588001 |
|---|---|
| Date | Nov 07, 2019 |
| Instrument | 19-075880.01 |
| Name | MISCELLANEOUS BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Sep 01, 2020 |
| Max Rate At Change | 3.2% |
| Index | 1-Year LIBOR |
| Document Number | 0034001500 |
|---|---|
| Date | Nov 07, 2019 |
| Book Page | 3400/1500 |
| Instrument | 19-075880 |
| Name | MISCELLANEOUS BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Dec 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Sep 01, 2020 |
| Index | 1-Year LIBOR |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 21, 2017 |
| Property Address | 453 STEVENS AVE, RIDGEWOOD, NJ 07450-5416 |
| Document Number | 0025922129 |
| Book / Page | 002592 / 002129 |
| Instrument Date | Apr 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 76 MINERVA AVE HAWTHORNE NJ 075061238, HAWTHORNE, NJ 07506-1238 |
Source: Bergen County and Ridgewood Village assessment roll as of June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ridgewood Village |
| Unified School District | Ridgewood Village School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $883,000 (-) Land $338,400 Building $544,600 | $883,000 (-) Land $338,400 Building $544,600 | |
| 2025 | $25,519.00 (+0.73%) | $883,000 (-) Land $338,400 Building $544,600 | $883,000 (-) Land $338,400 Building $544,600 |
| 2024 | $25,333.00 (+4.98%) | ||
| 2023 | $883,000 Land $338,400 Building $544,600 | $883,000 Land $338,400 Building $544,600 | |
| 2022 | $24,132.00 |
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
| 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 11 (1999–2021) |
| Claims Outside the SFHA | 7 of 11 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 83% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection, 303 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max 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 |
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 System | RIDGEWOOD WATER serves 61,700 people |
|---|---|
| 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 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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