682 Ray Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 682 Ray Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	2,019 sqft · built 1949
Lot Size	0.115 acres (5,017 sqft)
Owner	2 Individual Names on File
Last Sale	$753,432 (Dec 2021)
Tax Bill	$13,813 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49-00801-0000-00022`

Property Details

APN / Parcel Number

Primary APN	`49-00801-0000-00022`
Alternative APNs	`4900049000000052` `490080100022`

Interior

Stories	2 Stories
Building Area	2,019 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Stucco
Lot Area	5,017 sqft (0.115 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4900049000000052
Street Address	682 RAY AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LPT 53-55 1.9LT
Legal Subdivision	WOODROW PARK
Legal Block	801
Legal Lot Number	22
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	3
Census Block	3002
Census Tract	45102

Owner

682 Ray Ave is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	682 RAY AVE, RIDGEFIELD, NJ 07657-1312
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
Oct 16, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 23, 2021	Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP
Jun 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 21, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2021 · Amount on File
Deed Sale	Dec 23, 2021 · Amount on File
Prior Sale	Mar 21, 2017 · Amount on File
Deed Document Number	2021185437
Deed Book / Page	4506 / 660
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	682 RAY AVE, RIDGEFIELD, NJ 07657-1312
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051051651
Date	Oct 16, 2023
Book Page	5105/1651
Instrument	2023068045

Lender

Name	TRUIST BANK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 23, 2021
Property Address	682 RAY AVE, RIDGEFIELD, NJ 07657-1312
Document Number	0045060660
Book / Page	4506 / 660
Instrument Date	Sep 29, 2021
Instrument	2021185437
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,812.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 AVE AT PORT IMPERIAL BLVD # BLVD509, 900, WEEHAWKEN, NJ 07086-6101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	682 RAY AVE, RIDGEFIELD, NJ 07657-1312

Mortgage

Document Number	2021185438
Date	Dec 23, 2021
Instrument	2021185438

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	682 RAY AVE, RIDGEFIELD, NJ 07657-1312
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026390316
Date	Jun 15, 2017
Book Page	02639/0316
Instrument	17-045794

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2032

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 21, 2017
Property Address	682 RAY AVE, RIDGEFIELD, NJ 07657-1312
Document Number	0025681060
Book / Page	002568 / 001060
Instrument Date	Mar 15, 2017
Transaction Type	Transfer
Record Updated	May 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$678.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	682 RAY AVE RIDGEFIELD NJ 076571312, RIDGEFIELD, NJ 07657-1312

Tax Assessment & Valuation

The 2025 property tax bill for 682 Ray Ave was $13,813, up 6.8% 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		$824,100 (+1.07%) Land $346,000 Building $478,100	$824,100 (+1.07%) Land $346,000 Building $478,100
2025	$13,813.00 (+6.85%)	$815,400 Land $343,500 Building $471,900	$815,400 Land $343,500 Building $471,900
2024	$12,928.00
2023		$747,600 Land $303,500 Building $444,100	$747,600 Land $303,500 Building $444,100
2022	$12,083.00

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

Flood

FEMA maps place 682 Ray Ave 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 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

The area around 682 Ray Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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.

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