Bergen County and Ridgewood Village property record for 643 Wall St, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 1,620 sqft · built 1930 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $478,000 (Oct 2018) |
| Tax Bill | $14,811 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-03403-0000-00020 |
| Primary APN | 51-03403-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,620 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 643 WALL ST |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-3526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .115 AC |
| Legal Subdivision | ALBIN BLOMKVEST |
| Legal Block | 3403 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 47500 |
643 Wall St is owned and occupied by an individual who bought it in October 2018.
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 643 WALL ST, RIDGEWOOD, NJ 07450-3526 |
| 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.
| Date | Document |
|---|---|
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| May 6, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIBANK NA |
| May 10, 2021 | Deed of Trust, Mortgage · Line of Credit WEBSTER BANK NA |
| Oct 30, 2018 | Deed with Mortgage, Transfer · Conventional Mortgage CITIBANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2018 · Amount on File |
| Deed Sale | Oct 30, 2018 · Amount on File |
| Prior Sale | Mar 14, 2007 · Amount on File |
| Deed Document Number | 201818-077477 |
| Deed Book / Page | 3095 / 1655 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 643 WALL ST, RIDGEWOOD, NJ 07450-3526 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | UNITED LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0040580094 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 4058/94 |
| Instrument | 2021050355 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 643 WALL ST, RIDGEWOOD, NJ 07450-3526 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0032350169 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 3235/169 |
| Instrument | 19-027909 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 643 WALL ST, RIDGEWOOD, NJ 07450-3526 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 643 WALL ST, RIDGEWOOD, NJ 07450-3526 |
| Document Number | 0041321420 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 4132/1420 |
| Instrument | 2021072746 |
| Name | WEBSTER BANK NA |
|---|---|
| Type | Bank |
| Address | WATERBURY, CT 06702 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.74% |
| Change Frequency | Monthly |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 30, 2018 |
| Property Address | 643 WALL ST, RIDGEWOOD, NJ 07450-3526 |
| Document Number | 0030951665 |
| Book / Page | 003095 / 001665 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 77477 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2018 |
| Title Company | FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $478.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 WALL ST RIDGEWOOD NJ 074503526, RIDGEWOOD, NJ 07450-3526 |
| Document Number | 30951671 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 003095/001671 |
| Instrument | 77477 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | O'FALLEN, MO 63368-2240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 29, 2033 |
The 2025 property tax bill for 643 Wall St was $14,811, up 0.7% from the year before.
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 | $512,500 (-) Land $260,000 Building $252,500 | $512,500 (-) Land $260,000 Building $252,500 | |
| 2025 | $14,811.00 (+0.73%) | $512,500 Land $260,000 Building $252,500 | $512,500 Land $260,000 Building $252,500 |
| 2024 | $14,703.00 | ||
| 2023 | $512,500 Land $260,000 Building $252,500 | $512,500 Land $260,000 Building $252,500 | |
| 2022 | $14,006.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 Wall St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.
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 | 1 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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 risk around 643 Wall St 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 96% of the US · lower than 89% 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 409 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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