Bergen County and Ridgefield Borough property record for 709 Prospect Ave, Ridgefield, NJ 07657
| Property Type | Single Family Home |
|---|---|
| Details | 1,441 sqft · built 1909 |
| Lot Size | 0.137 acres (5,972 sqft) |
| Owner | Individual Name on File |
| Last Sale | $430,000 (Nov 2019) |
| Tax Bill | $7,792 (2025) |
| Deeds & Mortgages | Mar 2023 Second Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 49-01003-0000-00009 |
| Primary APN | 49-01003-0000-00009 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,441 sqft Living Area |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Construction Type | Frame |
| Lot Area | 5,972 sqft (0.137 acres) |
| Lot Dimensions | 103 ft deep x 58 ft wide |
| Old Parcel Number | 4900065000000032 |
|---|---|
| Street Address | 709 PROSPECT AVE |
| City | RIDGEFIELD |
| State | NJ |
| Zip | 07657-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | L33 58X103 1.9L |
| Legal Subdivision | MORSEMERE |
| Legal Block | 1003 |
| Legal Lot Number | 9 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEFIELD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 45200 |
709 Prospect Ave is owned and occupied by an individual who bought it in November 2019.
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 | Individual Name on File |
|---|---|
| Mailing Address | 709 PROSPECT AVE, RIDGEFIELD, NJ 07657-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Nov 4, 2019 | Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2019 · Amount on File |
| Deed Sale | Nov 4, 2019 · Amount on File |
| Deed Document Number | 201974945 |
| Deed Book / Page | 3397 / 1198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 709 PROSPECT AVE, RIDGEFIELD, NJ 07657-1122 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0049611758 |
|---|---|
| Date | Mar 29, 2023 |
| Book Page | 4961/1758 |
| Instrument | 2023022063 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 3, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 4, 2019 |
| Property Address | 709 PROSPECT AVE, RIDGEFIELD, NJ 07657-1122 |
| Document Number | 0033971198 |
| Book / Page | 3397 / 1198 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 19-074945 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 709 PROSPECT AVE, RIDGEFIELD, NJ 07657-1122 |
| Document Number | 1907494501 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 19-074945.01 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 0033971198 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 3397/1198 |
| Instrument | 19-074945 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 709 Prospect Ave was $7,792, up 2.5% from the year before.
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 | $467,300 (+1.59%) Land $298,000 Building $169,300 | $467,300 (+1.59%) Land $298,000 Building $169,300 | |
| 2025 | $7,792.00 (+2.5%) | $460,000 Land $293,000 Building $167,000 | $460,000 Land $293,000 Building $167,000 |
| 2024 | $7,602.00 | ||
| 2023 | $434,900 Land $278,000 Building $156,900 | $434,900 Land $278,000 Building $156,900 | |
| 2022 | $7,234.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 709 Prospect Ave in Zone X, an area of minimal flood risk.
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.
The area around 709 Prospect 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.
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 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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