646 Terhune Rd, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 646 Terhune Rd, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	1,514 sqft · built 1951
Lot Size	0.374 acres (16,291 sqft)
Owner	Individual Name on File
Last Sale	$680,000 (Oct 2021)
Tax Bill	$13,658 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-04709-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`51-04709-0000-00003`
Alternative APN	`510470900003`

Interior

Stories	1 Story
Building Area	1,514 sqft Living Area
1st Floor Area	1,514 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Frame
Lot Area	16,291 sqft (0.374 acres)
Lot Dimensions	163 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	646 TERHUNE RD
City	RIDGEWOOD
State	NJ
Zip	07450-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.374 AC
Legal Subdivision	BROOKFIELDS
Legal Block	4709
Legal Lot Number	3
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	1
Census Block	1004
Census Tract	47100

Owner

646 Terhune Rd is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	646 TERHUNE RD, RIDGEWOOD, NJ 07450-2016
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	Name on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Nov 6, 2000 · Amount on File
Deed Document Number	2021157498
Deed Book / Page	4416 / 1138
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 15, 2021
Property Address	646 TERHUNE RD, RIDGEWOOD, NJ 07450-2016
Document Number	0044161138
Book / Page	4416 / 1138
Instrument Date	Sep 10, 2021
Instrument	2021157498
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,829.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 W BROAD ST601, 301, FALLS CHURCH, VA 22046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 TERHUNE RD, RIDGEWOOD, NJ 07450-2016

Mortgage

Document Number	2021157499
Date	Oct 15, 2021
Instrument	2021157499

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 646 Terhune Rd was $13,658, 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		$472,600 (-) Land $305,100 Building $167,500	$472,600 (-) Land $305,100 Building $167,500
2025	$13,658.00 (+0.74%)	$472,600 Land $305,100 Building $167,500	$472,600 Land $305,100 Building $167,500
2024	$13,558.00
2023		$465,600 Land $305,100 Building $160,500	$465,600 Land $305,100 Building $160,500
2022	$12,724.00

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

Flood

FEMA maps place 646 Terhune 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
Flood Insurance Cost	Premium on File median of 31 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	80 (1980–2024)
Claims Outside the SFHA	2 of 80
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 14 claims Hurricane Irene, Aug 2011 · 19 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 25 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 646 Terhune 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 98% of the US · lower than 94% 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20