Bergen County and Ridgewood Village property record for 512 E Saddle River Rd, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 1,646 sqft · built 1961 |
| Lot Size | 0.379 acres (16,509 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $645,000 (May 2016) |
| Tax Bill | $16,565 (2025) |
| Deeds & Mortgages | Dec 2022 Construction Loan Dec 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 51-04708-0000-00005 |
| Primary APN | 51-04708-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,646 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Lot Area | 16,509 sqft (0.379 acres) |
| Lot Dimensions | 150 ft deep x 110 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 512 E SADDLE RIVER RD |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-2022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .379 AC |
| Legal Subdivision | SALEM RDG SEC MAP #1 |
| Legal Block | 4708 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 47100 |
512 E Saddle River Rd is owned and occupied by two individuals who bought it in May 2016.
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| 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 |
|---|---|
| Dec 6, 2022 | Deed of Trust, Mortgage · Construction Mortgage LIVE OAK BANKING COMPANY |
| Dec 6, 2022 | Deed of Trust, Mortgage · SBA Mortgage LIVE OAK BANKING COMPANY |
| Nov 8, 2021 | Deed of Trust, Mortgage · Commercial Mortgage LIVE OAK BANKING COMPANY |
| Nov 8, 2021 | Deed of Trust, Mortgage · Commercial Mortgage LIVE OAK BANKING COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2016 · Amount on File |
| Deed Sale | May 10, 2016 · Amount on File |
| Prior Sale | Jul 15, 2015 · Amount on File |
| Deed Document Number | 201634656 |
| Deed Book / Page | 2256 / 2303 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| Document Number | 0048761030 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 4876/1030 |
| Instrument | 2022112718 |
| Name | LIVE OAK BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | WILMINGTON, NC 28403 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 112 Months |
| Due | Apr 7, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| Document Number | 0048761008 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 4876/1008 |
| Instrument | 2022112717 |
| Name | LIVE OAK BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | WILMINGTON, NC 28403 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 112 Months |
| Due | Apr 7, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| Document Number | 0044471452 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 4447/1452 |
| Instrument | 2021166779 |
| Name | LIVE OAK BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | WILMINGTON, NC 28403 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 512 E SADDLE RIVER RD, RIDGEWOOD, NJ 07450-2022 |
| Document Number | 0044471432 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 4447/1432 |
| Instrument | 2021166778 |
| Name | LIVE OAK BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | WILMINGTON, NC 28403 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 512 E Saddle River Rd was $16,565, 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 | $573,200 (-) Land $297,500 Building $275,700 | $573,200 (-) Land $297,500 Building $275,700 | |
| 2025 | $16,565.00 (+0.73%) | $573,200 Land $297,500 Building $275,700 | $573,200 Land $297,500 Building $275,700 |
| 2024 | $16,445.00 | ||
| 2023 | $573,200 Land $297,500 Building $275,700 | $573,200 Land $297,500 Building $275,700 | |
| 2022 | $15,665.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 512 E Saddle River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 512 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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