Bergen County and Ridgewood Village property record for 457 E Saddle River Rd, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 1,918 sqft · built 1800 |
| Lot Size | 0.592 acres (25,788 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $16,586 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04804-0000-00001-01 |
| Primary APN | 51-04804-0000-00001-01 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,918 sqft Living Area |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 25,788 sqft (0.592 acres) |
| Lot Dimensions | 205 ft deep x 119 ft wide |
| Street Address | 457 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 | .592 AC |
| Legal Block | 4804 |
| Legal Lot Number | 1.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 47100 |
457 E Saddle River Rd is owned and occupied by an individual who acquired it in December 1987.
Source: Bergen County and Ridgewood Village records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 457 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| 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 |
|---|---|
| May 2, 2017 | Deed of Trust, Mortgage · Line of Credit COLUMBIA BANK |
| Sep 23, 2019 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Sep 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 1987 |
| Deed Sale | Dec 14, 1987 |
| Deed Book / Page | 7172 / 161 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 457 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0026001179 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 02600/1179 |
| Instrument | 17-034989 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 457 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033551079 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 3355/1079 |
| Instrument | 19-062729 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 457 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2019 |
| Document Number | 0033551094 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 457 E SADDLE RIVER RD RIDGEWOOD NJ 074502019, RIDGEWOOD, NJ 07450-2019 |
| Document Number | 0033551094 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 003355/001094 |
| Instrument | 62729 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 936 Months |
| Due | Sep 22, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.94% |
The 2025 property tax bill for 457 E Saddle River Rd was $16,586, up 0.7% from the year before.
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 | $573,900 (-) Land $329,900 Building $244,000 | $573,900 (-) Land $329,900 Building $244,000 | |
| 2025 | $16,586.00 (+0.73%) | $573,900 Land $329,900 Building $244,000 | $573,900 Land $329,900 Building $244,000 |
| 2024 | $16,465.00 | ||
| 2023 | $573,900 Land $329,900 Building $244,000 | $573,900 Land $329,900 Building $244,000 | |
| 2022 | $15,684.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 457 E Saddle River Rd 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 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 File 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.
Wildfire risk around 457 E Saddle River Rd is low, with less than 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 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 |
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