Bergen County and Ridgefield Borough property record for 829 Ray Ave, Ridgefield, NJ 07657
| Property Type | Single Family Home |
|---|---|
| Details | 1,420 sqft · built 1924 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Nov 2001) |
| Tax Bill | $8,949 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 49-00901-0000-00019 |
| Primary APN | 49-00901-0000-00019 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,420 sqft Living Area |
| 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 | 1 Parking Space |
| Old Parcel Number | 4900058000000011 |
|---|---|
| Street Address | 829 RAY AVE |
| City | RIDGEFIELD |
| State | NJ |
| Zip | 07657-1224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | L12 50X100 2.0L |
| Legal Block | 901 |
| Legal Lot Number | 19 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEFIELD |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 45102 |
829 Ray Ave is owned and occupied by an individual who acquired it in August 2021.
Source: Bergen County and Ridgefield Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 829 RAY AVE, RIDGEFIELD, NJ 07657-1224 |
| 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 |
|---|---|
| Aug 16, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Oct 5, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 7, 2001 · Amount on File |
| Deed Sale | Nov 7, 2001 · Amount on File |
| Prior Sale | Nov 14, 1995 · Amount on File |
| Deed Book / Page | 8418 / 124 |
| Last Transfer Date | Aug 25, 2021 |
| Transfer Doc | 0044051287 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 829 RAY AVE, RIDGEFIELD, NJ 07657-1224 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0050591606 |
|---|---|
| Date | Aug 16, 2023 |
| Book Page | 5059/1606 |
| Instrument | 2023053366 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 5, 2021 |
| Property Address | 829 RAY AVE, RIDGEFIELD, NJ 07657-1224 |
| Document Number | 0044051287 |
| Book / Page | 4405 / 1287 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 2021154096 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2021 |
| Title Company | FAIRWAY TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 829 RAY AVENUE, RIDGEWOOD, NJ |
| Document Number | 2021154097 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2021154097 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 829 Ray Ave was $8,949, up 2.6% 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 | $536,400 (+1.53%) Land $310,000 Building $226,400 | $536,400 (+1.53%) Land $310,000 Building $226,400 | |
| 2025 | $8,949.00 (+2.58%) | $528,300 Land $305,000 Building $223,300 | $528,300 Land $305,000 Building $223,300 |
| 2024 | $8,724.00 | ||
| 2023 | $499,800 Land $290,000 Building $209,800 | $499,800 Land $290,000 Building $209,800 | |
| 2022 | $8,317.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 829 Ray 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 risk around 829 Ray 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.
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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