820 Elm Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 820 Elm Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,071 sqft · built 1924
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$1,330,000 (Apr 2026)
Tax Bill	$7,594 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49-00901-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`49-00901-0000-00006`
Alternative APNs	`4900058000000037` `490090100006`

Interior

Stories	2 Stories
Building Area	1,071 sqft Living Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
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	4900058000000037
Street Address	820 ELM AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	L38 50X100 2.0L L38
Legal Subdivision	MORSEMERE
Legal Block	901
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	4
Census Block	4000
Census Tract	45102

Owner

820 Elm Ave is owned and occupied by two individuals who bought it in April 2026.

Source: Bergen County and Ridgefield Borough records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	820 ELM AVE, RIDGEFIELD, NJ 07657-1209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage WATERMARK CAPITAL
Apr 28, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage WATERMARK CAPITAL
Apr 7, 2025	Deed, Construction Loan · Construction Mortgage RCN CAPITAL LLC
Feb 8, 2022	Deed, Transfer ACCURATE TITLE INC, ACCURA TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Apr 7, 2025 · Amount on File
Deed Document Number	202628291
Deed Book / Page	5783 / 1306
Record Updated	Oct 29, 2026

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 28, 2026
Property Address	820 ELM AVE, RIDGEFIELD, NJ 07657-1209
Document Number	0000028291
Book / Page	5783 / 1306
Instrument Date	Mar 26, 2026
Instrument	2026.28291
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	EIT TITLE, ELITE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134,330.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 ELM AVE, RIDGEFIELD, NJ 07657-1209

Mortgage

Document Number	0000028292,
Date	Apr 28, 2026
Book Page	5783/1313
Instrument	2026.28292

Lender

Name	WATERMARK CAPITAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 28, 2026
Property Address	820 ELM AVE, RIDGEFIELD, NJ 07657-1209
Document Number	0057831306
Book / Page	5783 / 1306
Instrument Date	Mar 26, 2026
Instrument	202628291
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	ELITE GROUP TITLE, ELITE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134,330.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 ELM AVE, RIDGEFIELD, NJ 07657-1209

Mortgage

Document Number	0000028292,
Date	Apr 28, 2026
Book Page	5783/1313
Instrument	202628292

Lender

Name	WATERMARK CAPITAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2025: Deed, Construction Loan

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 7, 2025
Property Address	820 ELM AVE, RIDGEFIELD, NJ 07657-1209
Document Number	0054741143
Book / Page	5474 / 1143
Instrument Date	Mar 27, 2025
Instrument	2025025063
Transaction Type	Construction Loan
Record Updated	Dec 5, 2025
Title Company	CLEAR SKIES TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	647 PROSPECT AVE, RIDGEFIELD, NJ 07657-1720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 LINCOLN AVE, CLIFFSIDE PARK, NJ 07010-3039

Mortgage

Document Number	2025025064
Date	Apr 7, 2025
Instrument	2025025064

Lender

Name	RCN CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 1, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 8, 2022
Property Address	820 ELM AVE, RIDGEFIELD, NJ 07657-1209
Document Number	0045731470
Book / Page	4573 / 1470
Instrument Date	Dec 23, 2021
Instrument	2022017221
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	ACCURATE TITLE INC, ACCURA TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,105.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	339 POMPTON AVE, 339, CEDAR GROVE, NJ 07009-2032

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	820 ELM AVE, RIDGEFIELD, NJ 07657-1209

Tax Assessment & Valuation

The 2025 property tax bill for 820 Elm Ave was $7,594, up 2.3% from the year before.

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		$461,300 (+2.9%) Land $310,000 Building $151,300	$461,300 (+2.9%) Land $310,000 Building $151,300
2025	$7,594.00 (+2.35%)	$448,300 Land $305,000 Building $143,300	$448,300 Land $305,000 Building $143,300
2024	$7,420.00
2023		$424,700 Land $290,000 Building $134,700	$424,700 Land $290,000 Building $134,700
2022	$7,352.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 820 Elm Ave in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 820 Elm Ave 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 96% of the US · lower than 89% 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.

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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