Bergen County and Ridgewood Village property record for 646 Witthill Rd, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 1,198 sqft · built 1948 |
| Lot Size | 0.186 acres (8,102 sqft) |
| Owner | Company Name on File |
| Last Sale | $535,000 (Sep 2019) |
| Tax Bill | $12,283 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-04304-0000-00009 |
| Primary APN | 51-04304-0000-00009 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,198 sqft Living Area |
| 1st Floor Area | 1,198 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 8,102 sqft (0.186 acres) |
| Lot Dimensions | 105 ft deep x 77 ft wide |
| Street Address | 646 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 |
| Legal Block | 4304 |
| Legal Lot Number | 9 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 47500 |
646 Witthill Rd is owned by a company that bought it in September 2019.
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 646 WITTHILL RD, RIDGEWOOD, NJ 07450-5304 |
| Owner Type | Company |
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 |
|---|---|
| Jul 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| Sep 4, 2019 | Deed, Transfer · Stand-Alone First Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2019 · Amount on File |
| Deed Sale | Sep 4, 2019 · Amount on File |
| Prior Sale | Dec 1, 2000 |
| Deed Document Number | 201958185 |
| Deed Book / Page | 3338 / 2464 |
| Prior Transfer Date | Jan 24, 2013 |
| Prior Transfer Doc | 0012951914 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 646 WITTHILL RD, RIDGEWOOD, NJ 07450-5304 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0043011010 |
|---|---|
| Date | Jul 29, 2021 |
| Book Page | 4301/1010 |
| Instrument | 2021121969 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTER, NJ 07930 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2031 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 4, 2019 |
| Property Address | 646 WITTHILL RD, RIDGEWOOD, NJ 07450-5304 |
| Document Number | 0033382464 |
| Book / Page | 3338 / 2464 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 19-058185 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 646 WITTHILL RD, RIDGEWOOD VILLAGE, NJ |
| Document Number | 1905818501 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 19-058185.01 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 0033382464 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 3338/2464 |
| Instrument | 19-058185 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2039 |
The 2025 property tax bill for 646 Witthill Rd was $12,283, 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 | $425,000 (-) Land $307,300 Building $117,700 | $425,000 (-) Land $307,300 Building $117,700 | |
| 2025 | $12,283.00 (+0.74%) | $425,000 Land $307,300 Building $117,700 | $425,000 Land $307,300 Building $117,700 |
| 2024 | $12,193.00 | ||
| 2023 | $425,000 Land $307,300 Building $117,700 | $425,000 Land $307,300 Building $117,700 | |
| 2022 | $11,615.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 Witthill 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 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.
Wildfire risk around 646 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 94% of the US · lower than 83% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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