645 Arcadia Rd, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 645 Arcadia Rd, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	1,305 sqft · built 1950
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (May 2023)
Tax Bill	$10,395 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-04503-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`51-04503-0000-00027`
Alternative APN	`510450300027`

Interior

Stories	1 Story
Building Area	1,305 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Location & Zoning

Street Address	645 ARCADIA RD
City	RIDGEWOOD
State	NJ
Zip	07450-5526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.138 AC
Legal Subdivision	RIDGEWOOD LAWNS
Legal Block	4503
Legal Lot Number	27
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	3
Census Block	3000
Census Tract	47500

Owner

645 Arcadia Rd is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 ARCADIA RD, RIDGEWOOD, NJ 07450-5526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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	May 23, 2023 · Amount on File
Deed Sale	May 23, 2023 · Amount on File
Deed Document Number	202334362
Deed Book / Page	5000 / 138
Record Updated	Sep 20, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	May 23, 2023
Property Address	645 ARCADIA RD, RIDGEWOOD, NJ 07450-5526
Document Number	0050000138
Book / Page	5000 / 138
Instrument Date	May 15, 2023
Instrument	2023034362
Transaction Type	Transfer
Record Updated	Jun 30, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,463.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	476 FAIRFIELD AVE, RIDGEWOOD, NJ 07450-1842

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ARCADIA RD, RIDGEWOOD, NJ 07450-5526

Mortgage

Document Number	0050000147
Date	May 23, 2023
Book Page	5000/147
Instrument	2023034363

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.2%
Margin	3
Max Rate	11.2%

Tax Assessment & Valuation

The 2025 property tax bill for 645 Arcadia Rd was $10,395, 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		$359,700 (-) Land $262,000 Building $97,700	$359,700 (-) Land $262,000 Building $97,700
2025	$10,395.00 (+0.74%)	$359,700 Land $262,000 Building $97,700	$359,700 Land $262,000 Building $97,700
2024	$10,319.00
2023		$355,700 (-) Land $262,000 Building $93,700	$355,700 (-) Land $262,000 Building $93,700
2022	$9,721.00 (+0.92%)	$355,700 Land $262,000 Building $93,700	$355,700 Land $262,000 Building $93,700
2021	$9,632.00

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

Flood

FEMA maps place 645 Arcadia Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	11 (1999–2021)
Claims Outside the SFHA	7 of 11
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Irene, Aug 2011 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 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 645 Arcadia 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 99.1% of the US · lower than 97.3% 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 421 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
AT&T Fixed Wireless	100 / 20