945 Elm Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 945 Elm Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,380 sqft · built 1929
Lot Size	0.086 acres (3,751 sqft)
Owner	2 Individual Names on File
Last Sale	$142,000 (Apr 2006)
Tax Bill	$7,972 (2025)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`49-00407-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`49-00407-0000-00004`
Alternative APNs	`4900030000000004` `490040700004`

Interior

Stories	2 Stories
Building Area	1,380 sqft Living Area

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Stucco
Lot Area	3,751 sqft (0.086 acres)
Lot Dimensions	75 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4900030000000004
Street Address	945 ELM AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G
Legal Description	L5 20 50X75
Legal Subdivision	MORESEMERE
Legal Block	407
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	1
Census Block	1004
Census Tract	45200

Owner

945 Elm Ave is owned and occupied by two individuals who acquired it in October 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	945 ELM AVE, RIDGEFIELD, NJ 07657-1103
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2006 · Amount on File
Deed Sale	Apr 4, 2006 · Amount on File
Prior Sale	Dec 22, 2003 · Amount on File
Deed Book / Page	9280 / 152
Last Transfer Date	Oct 24, 2016
Transfer Doc	0025382379
Record Updated	Oct 29, 2026

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Feb 17, 2017
Property Address	945 ELM AVE, RIDGEFIELD, NJ 07657-1103
Document Number	0025382379
Book / Page	02538 / 2379
Instrument Date	Oct 24, 2016
Instrument	17-015662
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	945 ELM AVE, 945, RIDGEFIELD, NJ 07657-1103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	945 ELM AVE, RIDGEFIELD, NJ 07657-1103

Mortgage

Document Number	0025382385
Date	Feb 17, 2017
Book Page	02538/2385
Instrument	17-015662.01

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	177 Months
Due	Nov 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 945 Elm Ave was $7,972, up 2.6% 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		$478,200 (+1.61%) Land $290,000 Building $188,200	$478,200 (+1.61%) Land $290,000 Building $188,200
2025	$7,972.00 (+2.6%)	$470,600 Land $285,000 Building $185,600	$470,600 Land $285,000 Building $185,600
2024	$7,770.00
2023		$436,900 Land $262,500 Building $174,400	$436,900 Land $262,500 Building $174,400
2022	$6,986.00

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

Flood

FEMA maps place 945 Elm 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 945 Elm 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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