Bergen County and Ridgefield Borough property record for 677 Ray Ave, Ridgefield, NJ 07657
| Property Type | Single Family Home |
|---|---|
| Details | 2,259 sqft · built 1949 |
| Lot Size | 0.106 acres (4,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $755,000 (Dec 2021) |
| Tax Bill | $14,670 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 49-00206-0000-00022 |
| Primary APN | 49-00206-0000-00022 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,259 sqft Living Area |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Stucco |
| Lot Area | 4,600 sqft (0.106 acres) |
| Lot Dimensions | 92 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 4900012000000023A |
|---|---|
| Street Address | 677 RAY AVE |
| City | RIDGEFIELD |
| State | NJ |
| Zip | 07657-1311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | L24-25 50X92 |
| Legal Subdivision | WOODROW PARK |
| Legal Block | 206 |
| Legal Lot Number | 22 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEFIELD |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 45102 |
Source: Bergen County and Ridgefield Borough records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 677 RAY AVE, RIDGEFIELD, NJ 07657-1311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2021 | Deed, Transfer · Conventional Mortgage HSBC BANK USA |
| Aug 15, 2019 | Deed with Mortgage, Transfer · Conventional with PMI FAIRWAY ASSET CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2021 · Amount on Record |
| Deed Sale | Dec 6, 2021 · Amount on Record |
| Prior Sale | Aug 15, 2019 · Amount on Record |
| Deed Document Number | 2021177109 |
| Deed Book / Page | 4480 / 1889 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 6, 2021 |
| Property Address | 677 RAY AVE, RIDGEFIELD, NJ 07657-1311 |
| Document Number | 0044801889 |
| Book / Page | 4480 / 1889 |
| Instrument Date | Nov 29, 2021 |
| Instrument | 2021177109 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,828.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 161 AVRIEL DR, 161, FAYETTEVILLE, NY 13066-9250 |
| Name | Verified Name |
|---|---|
| Address | 677 RAY AVE, RIDGEFIELD, NJ 07657-1311 |
| Document Number | 2021177110 |
|---|---|
| Date | Dec 6, 2021 |
| Instrument | 2021177110 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 15, 2019 |
| Property Address | 677 RAY AVE, RIDGEFIELD, NJ 07657-1311 |
| Document Number | 0033222092 |
| Book / Page | 003322 / 002092 |
| Instrument Date | Jul 16, 2019 |
| Instrument | 53338 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2019 |
| Title Company | NATIC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $635.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 677 RAY AVE RIDGEFIELD NJ 076571311, RIDGEFIELD, NJ 07657-1311 |
| Document Number | 33222099 |
|---|---|
| Date | Aug 15, 2019 |
| Book Page | 003322/002099 |
| Instrument | 53338 |
| Name | FAIRWAY ASSET CORP |
|---|---|
| Address | ROCKVILLE, MD 20855 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 14, 2049 |
Source: Bergen County and Ridgefield Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ridgefield Borough |
| Unified School District | Ridgefield Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $873,900 (+0.91%) Land $342,000 Building $531,900 | $873,900 (+0.91%) Land $342,000 Building $531,900 | |
| 2025 | $14,670.00 (+6.5%) | $866,000 (+8.55%) Land $339,500 Building $526,500 | $866,000 (+8.55%) Land $339,500 Building $526,500 |
| 2024 | $13,775.00 (+8.15%) | ||
| 2023 | $797,800 Land $299,500 Building $498,300 | $797,800 Land $299,500 Building $498,300 | |
| 2022 | $12,737.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 832 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 · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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