902 Ray Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 902 Ray Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,616 sqft · built 1924
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Oct 2021)
Tax Bill	$10,442 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-01007-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`49-01007-0000-00003`
Alternative APNs	`4900061000000031` `490100700003`

Interior

Stories	2 Stories
Building Area	1,616 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	1 Parking Space

Location & Zoning

Old Parcel Number	4900061000000031
Street Address	902 RAY AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	50X100
Legal Subdivision	MORSEMERE
Legal Block	1007
Legal Lot Number	3
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	1
Census Block	1012
Census Tract	45200

Owner

902 Ray Ave is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	902 RAY AVE, RIDGEFIELD, NJ 07657-1120
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 25, 2017	Grant Deed, Transfer · Conventional with PMI GET A RATE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Oct 25, 2017 · Amount on File
Deed Document Number	2021154266
Deed Book / Page	4406 / 192
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 6, 2021
Property Address	902 RAY AVE, RIDGEFIELD, NJ 07657-1120
Document Number	0044060192
Book / Page	4406 / 192
Instrument Date	Sep 9, 2021
Instrument	2021154266
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 HARRISON ST, 220, LEONIA, NJ 07605-1612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 RAY AVE, RIDGEFIELD, NJ 07657-1120

Mortgage

Document Number	2021154267
Date	Oct 6, 2021
Instrument	2021154267

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	902 RAY AVE, RIDGEFIELD, NJ 07657-1120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038381515
Date	Nov 30, 2020
Book Page	3838/1515
Instrument	20-125241

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 25, 2017
Property Address	902 RAY AVE, RIDGEFIELD, NJ 07657-1120
Document Number	0027641875
Book / Page	002764 / 001875
Instrument Date	Oct 16, 2017
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 RAY AVE RIDGEFIELD NJ 076571120, RIDGEFIELD, NJ 07657-1120

Mortgage

Document Number	27641881
Date	Oct 25, 2017
Book Page	002764/001881

Lender

Name	GET A RATE LLC
Address	200 RIVERFRONT BLVD # 1ST, ELMWOOD PARK, NJ 07407-1037

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 902 Ray Ave was $10,442, up 2.8% 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		$625,700 (+1.51%) Land $294,500 Building $331,200	$625,700 (+1.51%) Land $294,500 Building $331,200
2025	$10,442.00 (+2.83%)	$616,400 Land $289,800 Building $326,600	$616,400 Land $289,800 Building $326,600
2024	$10,155.00
2023		$582,500 Land $275,500 Building $307,000	$582,500 Land $275,500 Building $307,000
2022	$9,690.00

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

Flood

FEMA maps place 902 Ray 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.

Wildfire

The area around 902 Ray 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.

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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