464 Summit St, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 464 Summit St, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	2,362 sqft · built 1950
Lot Size	0.269 acres (11,718 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Oct 2011)
Tax Bill	$16,944 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-01510-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`51-01510-0000-00002`
Alternative APN	`510151000002`

Interior

Stories	1 Story
Building Area	2,362 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	11,718 sqft (0.269 acres)
Lot Dimensions	195 ft deep x 60 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	464 SUMMIT ST
City	RIDGEWOOD
State	NJ
Zip	07450-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.269 AC
Legal Subdivision	VILLAGE/RIDGEWOOD
Legal Block	1510
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	4
Census Block	4001
Census Tract	47200

Owner

464 Summit St is owned and occupied by two individuals who bought it in October 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	464 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 6, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2011 · Amount on File
Deed Sale	Oct 19, 2011 · Amount on File
Prior Sale	Jul 2, 2002 · Amount on File
Deed Document Number	20118580065
Deed Book / Page	858 / 65
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	464 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	464 SUMMIT ST, RIDGEWOOD, NJ 07450-1530

Mortgage

Document Number	0047300304
Date	Jul 1, 2022
Book Page	4730/304
Instrument	2022066658

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	464 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
Transaction Type	Mortgage
Record Updated	Jul 18, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	464 SUMMIT ST, RIDGEWOOD, NJ 07450-1530

Mortgage

Document Number	0047020455
Date	Jun 6, 2022
Book Page	4702/455
Instrument	2022057594

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Apr 29, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	464 SUMMIT ST, RIDGEWOOD, NJ 07450-1530
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	ARDENT TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039570663
Date	Feb 12, 2021
Book Page	3957/663
Instrument	2021019403

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 464 Summit St was $16,944, up 0.7% from the year before.

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		$586,300 (-) Land $353,600 Building $232,700	$586,300 (-) Land $353,600 Building $232,700
2025	$16,944.00 (+0.74%)	$586,300 Land $353,600 Building $232,700	$586,300 Land $353,600 Building $232,700
2024	$16,820.00
2023		$586,300 Land $353,600 Building $232,700	$586,300 Land $353,600 Building $232,700
2022	$16,023.00

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

Flood

FEMA maps place 464 Summit St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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

Wildfire risk around 464 Summit St 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 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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