Bergen County and Ridgewood Village property record for 680 Howard Rd, Ridgewood, NJ 07450
| Property Type | Single Family Home |
|---|---|
| Details | 2,681 sqft · built 1958 |
| Lot Size | 0.709 acres (30,884 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $755,000 (Dec 2016) |
| Tax Bill | $17,227 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 51-04707-0000-00012 |
| Primary APN | 51-04707-0000-00012 |
|---|---|
| Alternative APN |
|
| Building Area | 2,681 sqft Living Area |
|---|
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Lot Area | 30,884 sqft (0.709 acres) |
| Lot Dimensions | 241 ft deep x 105 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 680 HOWARD RD |
|---|---|
| City | RIDGEWOOD |
| State | NJ |
| Zip | 07450-2004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .709 AC |
| Legal Block | 4707 |
| Legal Lot Number | 12 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEWOOD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 47100 |
680 Howard Rd is owned and occupied by two individuals who acquired it in August 2017.
Source: Bergen County and Ridgewood Village records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 680 HOWARD RD, RIDGEWOOD, NJ 07450-2004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
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 |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COLONY MORTGAGE CORPORATION |
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 25, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2016 · Amount on File |
| Deed Sale | Dec 5, 2016 · Amount on File |
| Prior Sale | Apr 2, 2014 · Amount on File |
| Deed Document Number | 201693300 |
| Deed Book / Page | 2455 / 349 |
| Last Transfer Date | Aug 22, 2017 |
| Transfer Doc | 0027311376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 10, 2026 |
| Property Address | 680 HOWARD RD, RIDGEWOOD, NJ 07450-2004 |
| Document Number | 0000023726 |
| Book / Page | 5768 / 987 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202623726 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CSC DOCUMENT RECORDING |
| Name | Verified Name |
|---|---|
| Address | 680 HOWARD RD, RIDGEWOOD, NJ 07450-2004 |
| Document Number | 0057680987, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 5768/987 |
| Instrument | 202623726 |
| Name | FIRST COLONY MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 680 HOWARD RD, RIDGEWOOD, NJ 07450-2004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0038431342 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 3843/1342 |
| Instrument | 20-126746 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 25, 2017 |
| Property Address | 680 HOWARD RD, RIDGEWOOD, NJ 07450-2004 |
| Document Number | 0027311370 |
| Book / Page | 02731 / 1370 |
| Instrument Date | Aug 22, 2017 |
| Instrument | 17-071499 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | CARDINAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 680 HOWARD RD, 680, RIDGEWOOD, NJ 07450-2004 |
| Name | Verified Name |
|---|---|
| Address | 680 HOWARD RD, RIDGEWOOD, NJ 07450-2004 |
| Document Number | 0027311376 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | 02731/1376 |
| Instrument | 17-071499.01 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 680 Howard Rd was $17,227, 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 | $596,100 (-) Land $317,500 Building $278,600 | $596,100 (-) Land $317,500 Building $278,600 | |
| 2025 | $17,227.00 (+0.73%) | $596,100 Land $317,500 Building $278,600 | $596,100 Land $317,500 Building $278,600 |
| 2024 | $17,102.00 | ||
| 2023 | $596,100 Land $317,500 Building $278,600 | $596,100 Land $317,500 Building $278,600 | |
| 2022 | $16,291.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 680 Howard Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 680 Howard 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 97% of the US · lower than 92% 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.
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 225 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 |
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