939 Ray Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 939 Ray Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,956 sqft · built 1934
Lot Size	0.122 acres (5,301 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Aug 2020)
Tax Bill	$10,389 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`49-01002-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`49-01002-0000-00010`
Alternative APNs	`4900064000000016` `490100200010`

Interior

Stories	2 Stories
Building Area	1,956 sqft Living Area

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Construction Type	Frame
Lot Area	5,301 sqft (0.122 acres)
Lot Dimensions	100 ft deep x 53 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	4900064000000016
Street Address	939 RAY AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	L17 53X100 2.1L
Legal Subdivision	PALISADES PARK
Legal Block	1002
Legal Lot Number	10
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	1
Census Block	1008
Census Tract	45200

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	Individual Name on Record
Mailing Address	939 RAY AVE, RIDGEFIELD, NJ 07657-1114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC
Aug 25, 2020	Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	202077444
Deed Book / Page	3680 / 1017
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	939 RAY AVE, RIDGEFIELD, NJ 07657-1114
Document Number	0036801024
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 4, 2020
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	939 RAY AVE RIDGEFIELD NJ 076571114, RIDGEFIELD, NJ 07657-1114

Mortgage

Document Number	0036801024
Date	Aug 25, 2020
Book Page	003680/001024

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2050

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 25, 2020
Property Address	939 RAY AVE, RIDGEFIELD, NJ 07657-1114
Document Number	0036801017
Book / Page	3680 / 1017
Instrument Date	Jul 10, 2020
Instrument	20-077444
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	939 RAY AVE, 939, RIDGEFIELD, NJ 07657-1114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	939 RAY AVE, RIDGEFIELD, NJ 07657-1114

Mortgage

Document Number	20077445
Date	Aug 25, 2020
Instrument	20-077445

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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		$622,500 (+1.5%) Land $316,000 Building $306,500	$622,500 (+1.5%) Land $316,000 Building $306,500
2025	$10,389.00 (+2.72%)	$613,300 (+5.72%) Land $311,000 Building $302,300	$613,300 (+5.72%) Land $311,000 Building $302,300
2024	$10,114.00 (+4.78%)
2023		$580,100 Land $296,000 Building $284,100	$580,100 Land $296,000 Building $284,100
2022	$9,653.00

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

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

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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