Bergen County and Ridgefield Borough property record for 686 Ray Ave, Ridgefield, NJ 07657
| Property Type | Single Family Home |
|---|---|
| Details | 1,730 sqft · built 1949 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $11,577 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 49-00801-0000-00021 |
| Primary APN | 49-00801-0000-00021 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,730 sqft Living Area |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Stucco |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 100 ft deep x 48 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 4900049000000050X |
|---|---|
| Street Address | 686 RAY AVE |
| City | RIDGEFIELD |
| State | NJ |
| Zip | 07657-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | 48X100 L51,52 |
| Legal Subdivision | WOODROW PARK |
| Legal Block | 801 |
| Legal Lot Number | 21 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEFIELD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 45102 |
Source: Bergen County and Ridgefield Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 686 RAY AVE, RIDGEFIELD, NJ 07657-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 686 RAY AVE, RIDGEFIELD, NJ 07657-1312 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042841057 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 4284/1057 |
| Instrument | 2021117236 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 1, 2051 |
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 | $689,100 (+0.83%) Land $346,000 Building $343,100 | $689,100 (+0.83%) Land $346,000 Building $343,100 | |
| 2025 | $11,577.00 (+7.25%) | $683,400 (+9.24%) Land $343,500 Building $339,900 | $683,400 (+9.24%) Land $343,500 Building $339,900 |
| 2024 | $10,794.00 (+6.48%) | ||
| 2023 | $625,600 Land $303,500 Building $322,100 | $625,600 Land $303,500 Building $322,100 | |
| 2022 | $10,137.00 |
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 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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