540 Upper Blvd, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 540 Upper Blvd, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	2,673 sqft · built 1965
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on File
Last Sale	$2,103,000 (Jul 2026)
Tax Bill	$25,470 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-01501-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`51-01501-0000-00007`
Alternative APN	`510150100007`

Interior

Stories	2 Stories
Building Area	2,673 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	540 UPPER BLVD
City	RIDGEWOOD
State	NJ
Zip	07450-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.275 AC
Legal Subdivision	ALBERT Z WINTER & NELSON ZABRI
Legal Block	1501
Legal Lot Number	7
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	2
Census Block	2005
Census Tract	47200

Owner

540 Upper Blvd is owned and occupied by two individuals who bought it in July 2026.

Source: Bergen County and Ridgewood Village records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	540 UPPER BLVD, RIDGEWOOD, NJ 07450-1508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 2, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Sep 26, 2022	Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on File
Deed Sale	Jul 2, 2026 · Amount on File
Prior Sale	Jul 7, 2023 · Amount on File
Deed Document Number	202644778
Deed Book / Page	5837 / 754
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 2, 2026
Property Address	540 UPPER BLVD, RIDGEWOOD, NJ 07450-1508
Document Number	0000044778
Book / Page	5837 / 754
Instrument Date	Jun 5, 2026
Instrument	202644778
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	CARNEGIE TITLE LLC, CARNEGIE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424,806.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 UPPER BLVD, RIDGEWOOD, NJ 07450-1508

Mortgage

Document Number	0000044779,
Date	Jul 2, 2026
Instrument	202644779

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 26, 2022
Property Address	540 UPPER BLVD, RIDGEWOOD, NJ 07450-1508
Document Number	0048171255
Book / Page	4817 / 1255
Instrument Date	Sep 6, 2022
Instrument	2022094159
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	456 HAWTHORNE PL, 456, RIDGEWOOD, NJ 07450-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 UPPER BLVD, RIDGEWOOD, NJ 07450-1508
Investor	Possibly a Property Investor

Mortgage

Document Number	2022094160
Date	Sep 26, 2022
Instrument	2022094160

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 540 Upper Blvd was $25,470, up 0.7% from the year before.

Source: Bergen County and Ridgewood Village assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$881,300 (-) Land $356,000 Building $525,300	$881,300 (-) Land $356,000 Building $525,300
2025	$25,470.00 (+0.74%)	$881,300 Land $356,000 Building $525,300	$881,300 Land $356,000 Building $525,300
2024	$25,284.00
2023		$864,700 (-) Land $356,000 Building $508,700	$864,700 (-) Land $356,000 Building $508,700
2022	$23,632.00 (+0.92%)	$864,700 Land $356,000 Building $508,700	$864,700 Land $356,000 Building $508,700
2021	$23,416.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 540 Upper Blvd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	4 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2014 · rainfall accumulation

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

Wildfire risk around 540 Upper Blvd 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 94% of the US · lower than 85% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 347 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

May also be available: AT&T.

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