540 Chestnut St, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 540 Chestnut St, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,928 sqft · built 1954
Lot Size	0.1 acres (4,360 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Apr 2010)
Tax Bill	$11,590 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`49-02004-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`49-02004-0000-00011`
Alternative APNs	`4900090000000012` `490200400011`

Interior

Stories	1 Story
Building Area	1,928 sqft Living Area
1st Floor Area	1,928 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Lot Area	4,360 sqft (0.1 acres)
Lot Dimensions	109 ft deep x 40 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4900090000000012
Street Address	540 CHESTNUT ST
City	RIDGEFIELD
State	NJ
Zip	07657-1831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Description	L13 40X109 1.6L
Legal Subdivision	GARFIELD PARK
Legal Block	2004
Legal Lot Number	11
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	3
Census Block	3005
Census Tract	45102

Owner

540 Chestnut St is owned and occupied by an individual who acquired it in April 2021.

Source: Bergen County and Ridgefield Borough records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	540 CHESTNUT ST, RIDGEFIELD, NJ 07657-1831
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP
Jun 1, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2010 · Amount on File
Deed Sale	Apr 6, 2010 · Amount on File
Deed Document Number	20103980226
Deed Book / Page	398 / 226
Last Transfer Date	Apr 24, 2021
Transfer Doc	0041791800
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	540 CHESTNUT ST, RIDGEFIELD, NJ 07657-1831
Transaction Type	Mortgage
Record Updated	Jun 23, 2023
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043221513
Date	Aug 10, 2021
Book Page	4322/1513
Instrument	2021128857

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Jun 1, 2021
Property Address	540 CHESTNUT ST, RIDGEFIELD, NJ 07657-1831
Document Number	0041791800
Book / Page	4179 / 1800
Instrument Date	Apr 24, 2021
Instrument	2021086942
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9019 WALL ST4D, 9019, NORTH BERGEN, NJ 07047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHESTNUT ST, RIDGEFIELD, NJ 07657-1831

Tax Assessment & Valuation

The 2025 property tax bill for 540 Chestnut St was $11,590, up 3% from the year before.

Source: Bergen County and Ridgefield Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ridgefield Borough
Unified School District	Ridgefield Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$693,000 (+1.29%) Land $318,900 Building $374,100	$693,000 (+1.29%) Land $318,900 Building $374,100
2025	$11,590.00 (+3%)	$684,200 Land $313,900 Building $370,300	$684,200 Land $313,900 Building $370,300
2024	$11,252.00
2023		$651,800 Land $301,400 Building $350,400	$651,800 Land $301,400 Building $350,400
2022	$10,773.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 540 Chestnut St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2018.

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
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	Remnants Of Hurricane Ida, Sep 2021 · 5 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

The area around 540 Chestnut 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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