650 Wall St, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 650 Wall St, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	3,189 sqft · built 1950
Lot Size	0.316 acres (13,765 sqft)
Owner	2 Individual Names on File
Last Sale	$1,295,000 (Oct 2020)
Tax Bill	$30,264 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51-03409-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`51-03409-0000-00006`
Alternative APN	`510340900006`

Interior

Stories	1 Story
Building Area	3,189 sqft Living Area
1st Floor Area	3,189 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	13,765 sqft (0.316 acres)
Lot Dimensions	131 ft deep x 103 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	650 WALL ST
City	RIDGEWOOD
State	NJ
Zip	07450-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.316 AC
Legal Subdivision	VILLAGE/RIDGEWOOD
Legal Block	3409
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	1
Census Block	1006
Census Tract	47500

Owner

650 Wall St is owned and occupied by two individuals who bought it in October 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	650 WALL ST, RIDGEWOOD, NJ 07450-3527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Deed of Trust, Mortgage · ARM USA ALLIANCE FEDERAL CREDIT UNION
Sep 15, 2020	Deed of Trust, Mortgage MORGAN STANLEY PVT BK NA
Oct 15, 2020	Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Apr 27, 2017	Grant Deed, Transfer HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on File
Deed Sale	Oct 15, 2020 · Amount on File
Prior Sale	Mar 31, 2016 · Amount on File
Deed Document Number	2020104034
Deed Book / Page	3768 / 1119
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	650 WALL ST, RIDGEWOOD, NJ 07450-3527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034761684
Date	Jan 27, 2020
Book Page	3476/1684
Instrument	2020008401

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.6%
Type Change Date	Nov 1, 2026
Index	1-Year LIBOR

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	650 WALL ST, RIDGEWOOD, NJ 07450-3527
Document Number	0037681125
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	650 WALL ST RIDGEWOOD NJ 074503527, RIDGEWOOD, NJ 07450-3527

Mortgage

Document Number	0037681125
Date	Oct 15, 2020
Book Page	003768/001125
Instrument	104035

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	4270 IVY POINTE BLVD # 400, CINCINNATI, OH 45245-0003

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2050

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 15, 2020
Property Address	650 WALL ST, RIDGEWOOD, NJ 07450-3527
Document Number	0037681119
Book / Page	3768 / 1119
Instrument Date	Sep 2, 2020
Instrument	20-104034
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,094.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	364 E RIDGEWOOD AVE # AVE3, 364, RIDGEWOOD, NJ 07450-3351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 WALL ST, RIDGEWOOD, NJ 07450-3527

Mortgage

Document Number	20104035
Date	Oct 15, 2020
Instrument	20-104035

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 27, 2017
Property Address	650 WALL ST, RIDGEWOOD, NJ 07450-3527
Document Number	0025961969
Book / Page	002596 / 001969
Instrument Date	Apr 6, 2017
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ABL ABSTRACT CORPORATION, OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	650 WALL ST RIDGEWOOD NJ 074503527, RIDGEWOOD, NJ 07450-3527

Mortgage

Document Number	25961975
Date	Apr 27, 2017
Book Page	002596/001975

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Mortgage

Document Number	25961989,
Date	Apr 27, 2017
Book Page	002596/001989

Lender

Name	TCF NAT'L BK/AZ
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 650 Wall St was $30,264, 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		$1,047,200 (-) Land $315,000 Building $732,200	$1,047,200 (-) Land $315,000 Building $732,200
2025	$30,264.00 (+0.73%)	$1,047,200 Land $315,000 Building $732,200	$1,047,200 Land $315,000 Building $732,200
2024	$30,044.00
2023		$1,036,300 Land $315,000 Building $721,300	$1,036,300 Land $315,000 Building $721,300
2022	$28,322.00

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

Flood

FEMA maps place 650 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

Wildfire risk around 650 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.

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 357 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

May also be available: T-Mobile.

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