Bergen County and Ridgewood Village property record for 528 Grove St, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 5,218 sqft · built 1880 |
| Lot Size | 0.958 acres (41,730 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,250,000 (Feb 2021) |
| Tax Bill | $37,356 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04402-0000-00011 |
| Primary APN | 51-04402-0000-00011 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 5,218 sqft Living Area |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Construction Type | Frame |
| Lot Area | 41,730 sqft (0.958 acres) |
| Lot Dimensions | 220 ft deep x 125 ft wide |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 528 GROVE ST |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-5427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .958 AC |
| Legal Subdivision | VILLAGE/RIDGEWOOD |
| Legal Block | 4402 |
| Legal Lot Number | 11 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 47500 |
Source: Bergen County and Ridgewood Village records, as of October 21, 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 | 528 GROVE ST, RIDGEWOOD, NJ 07450-5427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Feb 7, 2019 | Deed of Trust, Mortgage · ARM FINANCE AMERICA LLC |
| Feb 4, 2021 | Deed, Transfer · Conventional Mortgage ATLANTIC HOME LOANS INC |
| Feb 29, 2020 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2021 · Amount on Record |
| Deed Sale | Feb 4, 2021 · Amount on Record |
| Prior Sale | Jul 5, 1994 · Amount on Record |
| Deed Document Number | 202115231 |
| Deed Book / Page | 3943 / 718 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 23, 2026 |
| Property Address | 528 GROVE ST, RIDGEWOOD, NJ 07450-5427 |
| Document Number | 0000066698 |
| Book / Page | 5908 / 272 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 202666698 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 528 GROVE ST, RIDGEWOOD, NJ 07450-5427 |
| Document Number | 0000066698, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 5908/272 |
| Instrument | 202666698 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 3, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 528 GROVE ST, RIDGEWOOD, NJ 07450-5427 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031732207 |
|---|---|
| Date | Feb 7, 2019 |
| Book Page | 3173/2207 |
| Instrument | 19-008966 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.8% |
| Type Change Date | Mar 1, 2026 |
| Index | 1-Year LIBOR |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 4, 2021 |
| Property Address | 528 GROVE ST, RIDGEWOOD, NJ 07450-5427 |
| Document Number | 0039430718 |
| Book / Page | 3943 / 718 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 21-015231 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | ALLIED TITLE, ALLIED TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 528 GROVE ST, 528, RIDGEWOOD, NJ 07450-5427 |
| Name | Verified Name |
|---|---|
| Address | 528 GROVE ST, RIDGEWOOD, NJ 07450-5427 |
| Document Number | 21015232 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 21-015232 |
| Name | ATLANTIC HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 528 GROVE ST, RIDGEWOOD, NJ 07450-5427 |
| Document Number | 0035720577 |
| Instrument Date | Feb 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2020 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Address | 528 GROVE ST RIDGEWOOD NJ 074505427, RIDGEWOOD, NJ 07450-5427 |
| Document Number | 0035720577 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 003572/000577 |
| Instrument | 20039889 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 15, 2060 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,292,600 (-) Land $397,700 Building $894,900 | $1,292,600 (-) Land $397,700 Building $894,900 | |
| 2025 | $37,356.00 (+0.73%) | $1,292,600 (-) Land $397,700 Building $894,900 | $1,292,600 (-) Land $397,700 Building $894,900 |
| 2024 | $37,084.00 (+4.98%) | ||
| 2023 | $1,292,600 Land $397,700 Building $894,900 | $1,292,600 Land $397,700 Building $894,900 | |
| 2022 | $35,326.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 4 (1999–2021) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% 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 303 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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