Bergen County and Ridgewood Village property record for 495 E Saddle River Rd, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 3,722 sqft · built 1940 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $590,000 (Sep 2015) |
| Tax Bill | $21,730 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04906-0000-00015 |
| Primary APN | 51-04906-0000-00015 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,722 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Frame |
| Lot Area | 27,007 sqft (0.62 acres) |
| Lot Dimensions | 197 ft deep x 136 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 495 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 | .620 AC |
| Legal Block | 4906 |
| Legal Lot Number | 15 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 47100 |
495 E Saddle River Rd is owned and occupied by two individuals who bought it in September 2015.
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 495 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2021 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2015 · Amount on File |
| Deed Sale | Sep 3, 2015 · Amount on File |
| Prior Sale | Apr 9, 1960 · Amount on File |
| Deed Document Number | 201566917 |
| Deed Book / Page | 2041 / 2455 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 495 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2021 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0044800675 |
|---|---|
| Date | Dec 6, 2021 |
| Book Page | 4480/675 |
| Instrument | 2021176918 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 495 E Saddle River Rd was $21,730, 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 | $751,900 (-) Land $332,100 Building $419,800 | $751,900 (-) Land $332,100 Building $419,800 | |
| 2025 | $21,730.00 (+0.73%) | $751,900 Land $332,100 Building $419,800 | $751,900 Land $332,100 Building $419,800 |
| 2024 | $21,572.00 | ||
| 2023 | $619,300 Land $332,100 Building $287,200 | $619,300 Land $332,100 Building $287,200 | |
| 2022 | $16,925.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 495 E Saddle River Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 495 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 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.
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 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 |
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