686 Lancaster Rd, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 686 Lancaster Rd, Ridgefield, NJ 07657 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,833 sqft · built 1954
Lot Size	0.121 acres (5,249 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,008 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`49-03206-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`49-03206-0000-00015`
Alternative APNs	`4900156000000009` `490320600015`

Interior

Stories	1 Story
Building Area	1,833 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Lot Area	5,249 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4900156000000009
Street Address	686 LANCASTER RD
City	RIDGEFIELD
State	NJ
Zip	07657-2618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50X105 2.0LT
Legal Subdivision	LANCASTER GDNS-SEC 1
Legal Block	3206
Legal Lot Number	15
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	3
Census Block	3009
Census Tract	45101

Owner

Source: Bergen County and Ridgefield Borough records · APN 49-03206-0000-00015

Assessment roll updated June 29, 2026 · Last verified July 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 File
Mailing Address	686 LANCASTER RD, RIDGEFIELD, NJ 07657-2618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA
Jun 23, 2020	Deed of Trust, Mortgage · Line of Credit VAST BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	686 LANCASTER RD, RIDGEFIELD, NJ 07657-2618
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036301522
Date	Jun 23, 2020
Book Page	3630/1522
Instrument	20-060855

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2035

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	686 LANCASTER RD, RIDGEFIELD, NJ 07657-2618
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 LANCASTER RD, RIDGEFIELD, NJ 07657-2618

Mortgage

Document Number	0036301531
Date	Jun 23, 2020
Book Page	3630/1531
Instrument	20-060856

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 01, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Bergen County and Ridgefield Borough records · Assessment roll updated June 29, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$598,600 (+1.32%) Land $338,500 Building $260,100	$598,600 (+1.32%) Land $338,500 Building $260,100
2025	$10,008.00 (+2.96%)	$590,800 (+5.61%) Land $332,500 Building $258,300	$590,800 (+5.61%) Land $332,500 Building $258,300
2024	$9,720.00 (+4.52%)
2023		$559,400 Land $313,500 Building $245,900	$559,400 Land $313,500 Building $245,900
2022	$9,300.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030451013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 45 individual NFIP policies nearby
Nearby Flood Policies	45 in force
Nearby Flood Claims	40 (2018–2025)
Claims Outside the SFHA	1 of 40
Most Recent Claim	Jul 2025, rainfall accumulation
Claims By Storm	Remnants Of Hurricane Ida, Sep 2021 · 29 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 759 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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