Bergen County and Oradell Borough property record for 686 Ridgewood Rd, Oradell, NJ 07649
| Property Type | Single Family Home |
|---|---|
| Details | 1,662 sqft · built 1951 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on File |
| Last Sale | $590,000 (Oct 2022) |
| Tax Bill | $14,397 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-00411-0000-00028 |
| Primary APN | 44-00411-0000-00028 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,662 sqft Living Area |
| 1st Floor Area | 1,662 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Account Number | 203500 |
|---|---|
| Street Address | 686 RIDGEWOOD RD |
| City | ORADELL |
| State | NJ |
| Zip | 07649-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 50X150 |
| Legal Block | 411 |
| Legal Lot Number | 28 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ORADELL |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 40002 |
686 Ridgewood Rd is owned and occupied by an individual who bought it in October 2022.
Source: Bergen County and Oradell Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 686 RIDGEWOOD RD, ORADELL, NJ 07649-2013 |
| 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.
| Date | Document |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 18, 2022 | Deed, Transfer · FHA Mortgage GET A RATE LLC |
| Aug 16, 2017 | Deed, Transfer · Conventional Mortgage COLUMBIA BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2022 · Amount on File |
| Deed Sale | Oct 18, 2022 · Amount on File |
| Prior Sale | Aug 16, 2017 · Amount on File |
| Deed Document Number | 2022100295 |
| Deed Book / Page | 4837 / 532 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 686 RIDGEWOOD RD, ORADELL, NJ 07649-2013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0056931203 |
|---|---|
| Date | Jan 5, 2026 |
| Book Page | 5693/1203 |
| Instrument | 2026000506 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 12, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 18, 2022 |
| Property Address | 686 RIDGEWOOD RD, ORADELL, NJ 07649-2013 |
| Document Number | 0048370532 |
| Book / Page | 4837 / 532 |
| Instrument Date | Aug 23, 2022 |
| Instrument | 2022100295 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | GULF COAST TITLE AGENCY LLC, GOLD COAST TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,079.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 693 MIDWOOD RD, 693, RIDGEWOOD, NJ 07450-5537 |
| Name | Verified Name |
|---|---|
| Address | 686 RIDGEWOOD RD, ORADELL, NJ 07649-2013 |
| Document Number | 2022100296 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 2022100296 |
| Name | GET A RATE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 16, 2017 |
| Property Address | 686 RIDGEWOOD RD, ORADELL, NJ 07649-2013 |
| Document Number | 0026970656 |
| Book / Page | 02697 / 0656 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 17-061626 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,879.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7S356 BALTUSROL LN, 7S356, NAPERVILLE, IL 60540-9417 |
| Name | Verified Name |
|---|---|
| Address | 686 RIDGEWOOD RD, ORADELL, NJ 07649-2013 |
| Document Number | 0026970663 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 02697/0663 |
| Instrument | 17-061626.01 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 686 Ridgewood Rd was $14,397, up 5.6% from the year before.
Source: Bergen County and Oradell Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Oradell Borough |
| Elementary School District | Oradell Borough School District (KG - 06) |
| Secondary School District | River Dell Regional School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $655,900 (+4.56%) Land $369,000 Building $286,900 | $655,900 (+4.56%) Land $369,000 Building $286,900 | |
| 2025 | $14,397.00 (+5.61%) | $627,300 Land $348,800 Building $278,500 | $627,300 Land $348,800 Building $278,500 |
| 2024 | $13,632.00 | ||
| 2023 | $498,600 Land $252,500 Building $246,100 | $498,600 Land $252,500 Building $246,100 | |
| 2022 | $10,228.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 686 Ridgewood Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1983) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1983 · rainfall accumulation |
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 686 Ridgewood 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 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 463 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 | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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