Bergen County and Ridgewood Village property record for 643 Spring Ave, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 1,092 sqft · built 1920 |
| Lot Size | 0.306 acres (13,329 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $875,000 (Apr 2026) |
| Tax Bill | $12,832 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04204-0000-00020 |
| Primary APN | 51-04204-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,092 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Lot Area | 13,329 sqft (0.306 acres) |
| Lot Dimensions | 222 ft deep x 60 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 643 SPRING AVE |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-4611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .306 AC |
| Legal Block | 4204 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 47500 |
Source: Bergen County and Ridgewood Village records, as of July 2, 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 | 643 SPRING AVE, RIDGEWOOD, NJ 07450-4611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 14, 2026 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 14, 2026 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2026 · Amount on Record |
| Deed Sale | Apr 14, 2026 · Amount on Record |
| Prior Sale | Oct 30, 1987 · Amount on Record |
| Deed Document Number | 202624475 |
| Deed Book / Page | 5771 / 110 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 14, 2026 |
| Property Address | 643 SPRING AVE, RIDGEWOOD, NJ 07450-4611 |
| Document Number | 0000024475 |
| Book / Page | 5771 / 110 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 2026.24475 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| Title Company | SIMPLIFILE (RECORDING SERVICE) |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $88,375.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 SPRING AVE, RIDGEWOOD, NJ 07450-4611 |
| Document Number | 0000024476, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 2026..24476 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 14, 2026 |
| Property Address | 643 SPRING AVE, RIDGEWOOD, NJ 07450-4611 |
| Document Number | 0057710110 |
| Book / Page | 5771 / 110 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 202624475 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | SIMPLIFILE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $88,375.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 SPRING AVE, RIDGEWOOD, NJ 07450-4611 |
| Document Number | 0000024476, |
|---|---|
| Date | Apr 14, 2026 |
| Book Page | 5771/115 |
| Instrument | 202624476 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $444,000 (-) Land $328,300 Building $115,700 | $444,000 (-) Land $328,300 Building $115,700 | |
| 2025 | $12,832.00 (+0.74%) Veteran's exemption | $444,000 (-) Land $328,300 Building $115,700 | $444,000 (-) Land $328,300 Building $115,700 |
| 2024 | $12,738.00 (+7.19%) | ||
| 2023 | $444,000 Land $328,300 Building $115,700 | $444,000 Land $328,300 Building $115,700 | |
| 2022 | $11,884.00 |
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 |
| Flood Insurance Cost | Premium on Record 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 |
|
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 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.
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 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 |
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