751 Ray Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 751 Ray Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,527 sqft · built 1934
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Jun 2018)
Tax Bill	$11,121 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`49-00204-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`49-00204-0000-00017`
Alternative APNs	`4900018000000011` `490020400017`

Interior

Stories	2 Stories
Building Area	1,527 sqft Living Area

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	4900018000000011
Street Address	751 RAY AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	L12 50X100 2.0L
Legal Subdivision	MORSEMERE MAP 7
Legal Block	204
Legal Lot Number	17
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	3
Census Block	3000
Census Tract	45102

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	2 Individual Names on Record
Mailing Address	471A CENTRAL BLVD, FORT LEE, NJ 07024-1748
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Sep 3, 2020	Deed of Trust, Mortgage · Conventional with PMI BETTER MTG CORP ISAOA
Jun 21, 2018	Deed with Mortgage, Transfer · FHA Mortgage FIRST INTERNET BK/IN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2018 · Amount on Record
Deed Sale	Jun 21, 2018 · Amount on Record
Prior Sale	Nov 18, 2015 · Amount on Record
Deed Document Number	20184355201
Deed Book / Page	2973 / 1179
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	751 RAY AVE, RIDGEFIELD, NJ 07657-1218
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056531787
Date	Nov 24, 2025
Book Page	5653/1787
Instrument	2025079889

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 23, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	751 RAY AVE, RIDGEFIELD, NJ 07657-1218
Document Number	0037691932
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	751 RAY AVE RIDGEFIELD NJ 076571218, RIDGEFIELD, NJ 07657-1218

Mortgage

Document Number	0037691932
Date	Oct 16, 2020
Book Page	003769/001932
Instrument	104495

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

June 2018: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Jun 21, 2018
Property Address	751 RAY AVE, RIDGEFIELD, NJ 07657-1218
Document Number	0029731179
Book / Page	002973 / 001179
Instrument Date	Jun 12, 2018
Instrument	43552
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	751 RAY AVE RIDGEFIELD NJ 076571218, RIDGEFIELD, NJ 07657-1218

Mortgage

Document Number	29731185
Date	Jun 21, 2018
Book Page	002973/001185
Instrument	43552

Lender

Name	FIRST INTERNET BK/IN
Type	Bank
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2048

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		$663,300 (+1.04%) Land $350,000 Building $313,300	$663,300 (+1.04%) Land $350,000 Building $313,300
2025	$11,121.00 (+7.61%)	$656,500 (+9.8%) Land $347,500 Building $309,000	$656,500 (+9.8%) Land $347,500 Building $309,000
2024	$10,335.00 (+7.03%)
2023		$597,900 Land $307,500 Building $290,400	$597,900 Land $307,500 Building $290,400
2022	$9,656.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Remnants Of Hurricane Ida, Sep 2021 · 5 claims

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

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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