581 Upper Blvd, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 581 Upper Blvd, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	4,532 sqft · built 1893
Lot Size	0.838 acres (36,503 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Mar 2010)
Tax Bill	$45,700 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`51-01504-0000-00004-01`

Property Details

APN / Parcel Number

Primary APN	`51-01504-0000-00004-01`
Alternative APN	`51015040000000040001`

Interior

Stories	2 Stories
Building Area	4,532 sqft Living Area

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Construction Type	Frame
Lot Area	36,503 sqft (0.838 acres)
Lot Dimensions	228 ft deep x 160 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	581 UPPER BLVD
City	RIDGEWOOD
State	NJ
Zip	07450-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.838 AC
Legal Block	1504
Legal Lot Number	4.1
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	2
Census Block	2004
Census Tract	47200

Owner

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	2 Individual Names on Record
Mailing Address	581 UPPER BLVD, RIDGEWOOD, NJ 07450-1507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
Jun 23, 2020	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Feb 24, 2018	Deed of Trust, Mortgage · Line of Credit TD BK NA
Jan 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2010 · Amount on Record
Deed Sale	Mar 22, 2010 · Amount on Record
Prior Sale	Nov 1, 2005 · Amount on Record
Deed Document Number	20103872211
Deed Book / Page	387 / 2211
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	581 UPPER BLVD, RIDGEWOOD, NJ 07450-1507
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044621940
Date	Nov 17, 2021
Book Page	4462/1940
Instrument	2021171561

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 4, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	581 UPPER BLVD, RIDGEWOOD, NJ 07450-1507
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043050892
Date	Jul 30, 2021
Book Page	4305/892
Instrument	2021123310

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	97 Months
Due	Aug 1, 2029

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	581 UPPER BLVD, RIDGEWOOD, NJ 07450-1507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036090662
Date	May 28, 2020
Book Page	3609/662
Instrument	20-053052

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2030

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	581 UPPER BLVD, RIDGEWOOD, NJ 07450-1507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036310560
Date	Jun 23, 2020
Book Page	3631/560
Instrument	20-061035

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	581 UPPER BLVD, RIDGEWOOD, NJ 07450-1507
Document Number	0028862414
Instrument Date	Feb 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2018
Title Company	ISGN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 UPPER BLVD RIDGEWOOD NJ 074501507, RIDGEWOOD, NJ 07450-1507

Mortgage

Document Number	0028862414
Date	Mar 19, 2018
Book Page	002886/002414

Lender

Name	TD BK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2048

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	581 UPPER BLVD, RIDGEWOOD, NJ 07450-1507
Document Number	0028440087
Book / Page	002844 / 000087
Instrument Date	Jan 8, 2018
Transaction Type	Mortgage
Record Updated	Feb 2, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	581 UPPER BLVD RIDGEWOOD NJ 074501507, RIDGEWOOD, NJ 07450-1507

Mortgage

Document Number	0028440087
Date	Jan 22, 2018
Book Page	002844/000087

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 21, 2033

Tax Assessment & Valuation

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		$1,581,300 (-) Land $498,400 Building $1,082,900	$1,581,300 (-) Land $498,400 Building $1,082,900
2025	$45,700.00 (+0.73%)	$1,581,300 (+0.91%) Land $498,400 Building $1,082,900	$1,581,300 (+0.91%) Land $498,400 Building $1,082,900
2024	$45,367.00 (+5.93%)
2023		$1,567,000 Land $498,400 Building $1,068,600	$1,567,000 Land $498,400 Building $1,068,600
2022	$42,826.00

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

Flood

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

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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