640 Witthill Rd, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 640 Witthill Rd, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	1,318 sqft · built 1948
Lot Size	0.186 acres (8,102 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Mar 2022)
Tax Bill	$12,335 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-04304-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`51-04304-0000-00008`
Alternative APN	`510430400008`

Interior

Stories	1 Story
Building Area	1,318 sqft Living Area
1st Floor Area	1,318 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	105 ft deep x 77 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	640 WITTHILL RD
City	RIDGEWOOD
State	NJ
Zip	07450-5304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.186 AC
Legal Subdivision	PARK HILL-RIDGEWOOD
Legal Block	4304
Legal Lot Number	8
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	2
Census Block	2008
Census Tract	47500

Owner

640 Witthill Rd is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	640 WITTHILL RD, RIDGEWOOD, NJ 07450-5304
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Mar 13, 2009 · Amount on File
Deed Document Number	202231887
Deed Book / Page	4619 / 1859
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 15, 2022
Property Address	640 WITTHILL RD, RIDGEWOOD, NJ 07450-5304
Document Number	0046191859
Book / Page	4619 / 1859
Instrument Date	Feb 15, 2022
Instrument	2022031887
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,670.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3324 CASTLE HEIGHTS AVENUE #331331, 3324, TUMTUM, WA 99034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 WITTHILL RD, RIDGEWOOD, NJ 07450-5304

Mortgage

Document Number	2022031888
Date	Mar 15, 2022
Instrument	2022031888

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 640 Witthill Rd was $12,335, 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		$426,800 (-) Land $307,300 Building $119,500	$426,800 (-) Land $307,300 Building $119,500
2025	$12,335.00 (+0.74%)	$426,800 Land $307,300 Building $119,500	$426,800 Land $307,300 Building $119,500
2024	$12,244.00
2023		$426,800 Land $307,300 Building $119,500	$426,800 Land $307,300 Building $119,500
2022	$11,344.00

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

Flood

FEMA maps place 640 Witthill Rd in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1989.

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 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	43 (1989–2021)
Claims Outside the SFHA	7 of 43
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 7 claims Hurricane Irene, Aug 2011 · 14 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 19 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

Wildfire risk around 640 Witthill Rd 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 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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 447 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20