705 Prospect Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 705 Prospect Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,336 sqft · built 1924
Lot Size	0.205 acres (8,947 sqft)
Owner	Individual Name on Record
Last Sale	$438,000 (Oct 2019)
Tax Bill	$8,848 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Aug 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`49-01003-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`49-01003-0000-00010`
Alternative APNs	`4900065000000030` `490100300010`

Interior

Stories	2 Stories
Building Area	1,336 sqft Living Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Frame
Lot Area	8,947 sqft (0.205 acres)
Lot Dimensions	142 ft deep x 63 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4900065000000030
Street Address	705 PROSPECT AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	L31 63X142 2.7L
Legal Block	1003
Legal Lot Number	10
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	1
Census Block	1009
Census Tract	45200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	705 PROSPECT AVE, RIDGEFIELD, NJ 07657-1122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2019	Deed, Transfer · Stand-Alone First Mortgage FINANCE AMERICA LLC
Aug 19, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2019 · Amount on Record
Deed Sale	Oct 11, 2019 · Amount on Record
Deed Document Number	201967878
Deed Book / Page	3373 / 911
Record Updated	Oct 29, 2026

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 11, 2019
Property Address	705 PROSPECT AVE, RIDGEFIELD, NJ 07657-1122
Document Number	0033730911
Book / Page	3373 / 911
Instrument Date	Sep 9, 2019
Instrument	19-067878
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 PROSPECT AVE, RIDGEFIELD, NJ 07657-1122

Mortgage

Document Number	1906787801
Date	Oct 11, 2019
Instrument	19-067878.01

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0033730911
Date	Oct 11, 2019
Book Page	3373/911
Instrument	19-067878

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

August 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 19, 2019
Property Address	705 PROSPECT AVE, RIDGEFIELD, NJ 07657-1122
Document Number	0033251328
Book / Page	003325 / 001328
Instrument Date	Jun 25, 2019
Instrument	54074
Transaction Type	Foreclosure
Record Updated	Aug 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$303.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 637 ALPINE NJ 076200637, ALPINE, NJ 07620-0637

Tax Assessment & Valuation

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		$530,200 (+1.51%) Land $314,500 Building $215,700	$530,200 (+1.51%) Land $314,500 Building $215,700
2025	$8,848.00 (+2.54%)	$522,300 (+5.62%) Land $309,500 Building $212,800	$522,300 (+5.62%) Land $309,500 Building $212,800
2024	$8,629.00 (+4.86%)
2023		$494,500 Land $294,500 Building $200,000	$494,500 Land $294,500 Building $200,000
2022	$8,229.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 832 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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