489 E Saddle River Rd, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 489 E Saddle River Rd, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	3,183 sqft · built 1955
Lot Size	0.695 acres (30,274 sqft)
Owner	2 Individual Names on Record
Last Sale	$414,000 (Jul 1997)
Tax Bill	$21,825 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`51-04911-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`51-04911-0000-00001`
Alternative APN	`510491100001`

Interior

Stories	1 Story
Building Area	3,183 sqft Living Area
1st Floor Area	3,183 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	30,274 sqft (0.695 acres)
Lot Dimensions	200 ft deep x 156 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	489 E SADDLE RIVER RD
City	RIDGEWOOD
State	NJ
Zip	07450-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R125
Legal Description	.695 AC
Legal Subdivision	SALEM RDG SEC MAP 1
Legal Block	4911
Legal Lot Number	1
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	1
Census Block	1014
Census Tract	47100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	489 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 1997 · Amount on Record
Deed Sale	Jul 21, 1997 · Amount on Record
Deed Book / Page	7988 / 40
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	489 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2021
Document Number	0031071956
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	489 E SADDLE RIVER RD RIDGEWOOD NJ 074502021, RIDGEWOOD, NJ 07450-2021

Mortgage

Document Number	0031071956
Date	Nov 14, 2018
Book Page	003107/001956
Instrument	80979

Lender

Name	COLUMBIA BK
Type	Bank
Address	FAIR LAWN, NJ 07410

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		$755,200 (-) Land $338,000 Building $417,200	$755,200 (-) Land $338,000 Building $417,200
2025	$21,825.00 (+0.73%)	$755,200 (-) Land $338,000 Building $417,200	$755,200 (-) Land $338,000 Building $417,200
2024	$21,666.00 (+4.98%)
2023		$755,200 Land $338,000 Building $417,200	$755,200 Land $338,000 Building $417,200
2022	$20,639.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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	Remnants Of Hurricane Ida, Sep 2021 · 14 claims Hurricane Irene, Aug 2011 · 19 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 25 claims

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 96% of the US · lower than 89% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 225 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