Bergen County and Ridgewood Village property record for 540 Smith Pl, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 3,334 sqft · built 1954 |
| Lot Size | 0.266 acres (11,587 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,525,000 (Dec 2022) |
| Tax Bill | $24,071 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Aug 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-01703-0000-00029 |
| Primary APN | 51-01703-0000-00029 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,334 sqft Living Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Frame |
| Lot Area | 11,587 sqft (0.266 acres) |
| Lot Dimensions | 151 ft deep x 81 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 540 SMITH PL |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-1400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .266 AC |
| Legal Subdivision | GARRET SMITH |
| Legal Block | 1703 |
| Legal Lot Number | 29 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 47200 |
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 540 SMITH PL, RIDGEWOOD, NJ 07450-1400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage VAST BANK NA |
| Aug 5, 2021 | Deed, Transfer · Construction Mortgage UNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2022 · Amount on Record |
| Deed Sale | Dec 2, 2022 · Amount on Record |
| Prior Sale | Aug 5, 2021 · Amount on Record |
| Deed Document Number | 2022112086 |
| Deed Book / Page | 4874 / 644 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 2, 2022 |
| Property Address | 540 SMITH PL, RIDGEWOOD, NJ 07450-1400 |
| Document Number | 0048740644 |
| Book / Page | 4874 / 644 |
| Instrument Date | Oct 25, 2022 |
| Instrument | 2022112086 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31,177.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 146 MELROSE PL, RIDGEWOOD, NJ 07450-4121 |
| Name | Verified Name |
|---|---|
| Address | 540 SMITH PL, RIDGEWOOD, NJ 07450-1400 |
| Document Number | 2022112087 |
|---|---|
| Date | Dec 2, 2022 |
| Instrument | 2022112087 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.87% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 9.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 5, 2021 |
| Property Address | 540 SMITH PL, RIDGEWOOD, NJ 07450-1400 |
| Document Number | 0043130821 |
| Book / Page | 4313 / 821 |
| Instrument Date | Jun 7, 2021 |
| Instrument | 2021125838 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2021 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,299.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 SMITH PL, 540, RIDGEWOOD, NJ 07450-1400 |
| Name | Verified Name |
|---|---|
| Address | 540 SMITH PL, RIDGEWOOD, NJ 07450-1400 |
| Document Number | 0043130827 |
|---|---|
| Date | Aug 5, 2021 |
| Book Page | 4313/827 |
| Instrument | 2021125839 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 30, 2051 |
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 | $832,900 (-) Land $339,400 Building $493,500 | $832,900 (-) Land $339,400 Building $493,500 | |
| 2025 | $24,071.00 (+0.74%) | $832,900 (-) Land $339,400 Building $493,500 | $832,900 (-) Land $339,400 Building $493,500 |
| 2024 | $23,895.00 (+78.61%) | ||
| 2023 | $832,900 Land $339,400 Building $493,500 | $832,900 Land $339,400 Building $493,500 | |
| 2022 | $13,378.00 |
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 | 5 in force |
| Nearby Flood Claims | 2 (1979–2021) |
| Claims Outside the SFHA | 1 of 2 |
| 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 482 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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