454 Summit St, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 454 Summit St, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	3,388 sqft · built 1938
Lot Size	0.523 acres (22,782 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,229,000 (May 2019)
Tax Bill	$31,264 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51-01510-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`51-01510-0000-00004`
Alternative APN	`510151000004`

Interior

Stories	2 Stories
Building Area	3,388 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Construction Type	Frame
Lot Area	22,782 sqft (0.523 acres)
Lot Dimensions	190 ft deep x 120 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	454 SUMMIT ST
City	RIDGEWOOD
State	NJ
Zip	07450-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.523 AC
Legal Subdivision	ALBERT Z WINTER & NELSON ZABRI
Legal Block	1510
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	4
Census Block	4001
Census Tract	47200

Owner

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	454 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage MILLENIUM HOME MORTGAGE LLC
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage MILLENIUM HOME MORTGAGE LLC
May 2, 2019	Deed, Transfer
Dec 23, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2019 · Amount on Record
Deed Sale	May 2, 2019 · Amount on Record
Prior Sale	Sep 16, 2015 · Amount on Record
Deed Document Number	201927113
Deed Book / Page	3232 / 1806
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	454 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045981211
Date	Feb 28, 2022
Book Page	4598/1211
Instrument	2022025121

Lender

Name	MILLENIUM HOME MORTGAGE LLC
Type	Mortgage Company
Address	WESTFIELD, NJ 07090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	454 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BLACK RIVER TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036931428
Date	Sep 4, 2020
Book Page	3693/1428
Instrument	20-081589

Lender

Name	MILLENIUM HOME MORTGAGE LLC
Type	Mortgage Company
Address	WESTFIELD, NJ 07090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2050

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	May 2, 2019
Property Address	454 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
Document Number	0032321806
Book / Page	3232 / 1806
Instrument Date	Apr 10, 2019
Instrument	19-027113
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 SUMMIT ST, RIDGEWOOD, NJ 07450-1530

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	454 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
Document Number	0028400620
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 SUMMIT ST RIDGEWOOD NJ 074501530, RIDGEWOOD, NJ 07450-1530

Mortgage

Document Number	0028400620
Date	Jan 18, 2018
Book Page	002840/000620

Lender

Name	PNC BK
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bergen County and Ridgewood Village assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ridgewood Village
Unified School District	Ridgewood Village School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,081,800 (-) Land $442,400 Building $639,400	$1,081,800 (-) Land $442,400 Building $639,400
2025	$31,264.00 (+0.73%)	$1,081,800 (-) Land $442,400 Building $639,400	$1,081,800 (-) Land $442,400 Building $639,400
2024	$31,036.00 (+4.98%)
2023		$1,081,800 Land $442,400 Building $639,400	$1,081,800 Land $442,400 Building $639,400
2022	$29,565.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 81% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 362 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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