665 Ray Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 665 Ray Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,176 sqft · built 1949
Lot Size	0.118 acres (5,131 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Aug 2017)
Tax Bill	$8,843 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`49-00206-0000-00020`

Property Details

APN / Parcel Number

Primary APN	`49-00206-0000-00020`
Alternative APNs	`4900012000000017A` `490020600020`

Interior

Stories	2 Stories
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Stucco
Lot Area	5,131 sqft (0.118 acres)
Lot Dimensions	95 ft deep x 54 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4900012000000017A
Street Address	665 RAY AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	L18-19 54X95
Legal Block	206
Legal Lot Number	20
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	3
Census Block	3001
Census Tract	45102

Owner

665 Ray Ave is owned and occupied by two individuals who bought it in August 2017.

Source: Bergen County and Ridgefield Borough records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	665 RAY AVE, RIDGEFIELD, NJ 07657-1311
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

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Aug 23, 2017	Deed, Transfer FIDELITY NATIONAL TITLE INSU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on File
Deed Sale	Aug 23, 2017 · Amount on File
Deed Document Number	201763347
Deed Book / Page	2702 / 2486
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	665 RAY AVE, RIDGEFIELD, NJ 07657-1311
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041430397
Date	May 13, 2021
Book Page	4143/397
Instrument	2021076176

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 23, 2017
Property Address	665 RAY AVE, RIDGEFIELD, NJ 07657-1311
Document Number	0027022486
Book / Page	02702 / 2486
Instrument Date	Jul 26, 2017
Instrument	17-063347
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount on Record
Tax	$1,832.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	665 RAY AVE, 665, RIDGEFIELD, NJ 07657-1311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 RAY AVE, RIDGEFIELD, NJ 07657-1311
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 665 Ray Ave was $8,843, up 8.3% from the year before.

Source: Bergen County and Ridgefield Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ridgefield Borough
Unified School District	Ridgefield Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$525,500 (+0.67%) Land $350,500 Building $175,000	$525,500 (+0.67%) Land $350,500 Building $175,000
2025	$8,843.00 (+8.33%)	$522,000 Land $348,000 Building $174,000	$522,000 Land $348,000 Building $174,000
2024	$8,163.00
2023		$474,200 Land $308,000 Building $166,200	$474,200 Land $308,000 Building $166,200
2022	$7,596.00

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

Flood

FEMA maps place 665 Ray Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2018.

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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	10 (2018–2025)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 5 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 665 Ray Ave 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	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001
Water Source	Surface water
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Jan 2021
Monitoring and Reporting	None 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 849 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Ray Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures