Bergen County and Ridgefield Borough property record for 534 Lloyd St, Ridgefield, NJ 07657
| Property Type | Single Family Home |
|---|---|
| Details | 1,568 sqft · built 1944 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Oct 2002) |
| Tax Bill | $8,494 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 49-02006-0000-00016 |
| Primary APN | 49-02006-0000-00016 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,568 sqft Living Area |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Construction Type | Frame |
| Lot Area | 5,998 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 4900097000000004 |
|---|---|
| Street Address | 534 LLOYD ST |
| City | RIDGEFIELD |
| State | NJ |
| Zip | 07657-1817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Description | 60X100 |
| Legal Subdivision | GARFIELD PARK |
| Legal Block | 2006 |
| Legal Lot Number | 16 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEFIELD |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 45102 |
534 Lloyd St is owned and occupied by two individuals who bought it in October 2002.
Source: Bergen County and Ridgefield Borough 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 File |
|---|---|
| Mailing Address | 534 LLOYD ST, RIDGEFIELD, NJ 07657-1817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jul 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2002 · Amount on File |
| Deed Sale | Oct 3, 2002 · Amount on File |
| Prior Sale | May 9, 1994 · Amount on File |
| Deed Book / Page | 8516 / 809 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 534 LLOYD ST, RIDGEFIELD, NJ 07657-1817 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0049520089 |
|---|---|
| Date | Mar 15, 2023 |
| Book Page | 4952/89 |
| Instrument | 2023018767 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 534 LLOYD ST, RIDGEFIELD, NJ 07657-1817 |
| Document Number | 0036701057 |
| Instrument Date | Jul 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 534 LLOYD ST RIDGEFIELD NJ 076571817, RIDGEFIELD, NJ 07657-1817 |
| Document Number | 0036701057 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 003670/001057 |
| Instrument | 74393 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 16, 2035 |
The 2025 property tax bill for 534 Lloyd St was $8,494, up 2.8% from the year before.
Source: Bergen County and Ridgefield Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ridgefield Borough |
| Unified School District | Ridgefield Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $509,400 (+1.6%) Land $321,800 Building $187,600 | $509,400 (+1.6%) Land $321,800 Building $187,600 | |
| 2025 | $8,494.00 (+2.82%) | $501,400 Land $316,400 Building $185,000 | $501,400 Land $316,400 Building $185,000 |
| 2024 | $8,261.00 | ||
| 2023 | $475,500 Land $299,300 Building $176,200 | $475,500 Land $299,300 Building $176,200 | |
| 2022 | $7,903.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 534 Lloyd St in Zone AE, a high-risk flood area within the regulatory floodway; 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 | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 10 (2018–2025) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| 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.
The area around 534 Lloyd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001 |
|---|---|
| Water Source | Surface water |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Jan 2021 |
| Monitoring and Reporting | None 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 849 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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