Bergen County and Ridgefield Borough property record for 946 Ray Ave, Ridgefield, NJ 07657
| Property Type | Single Family Home |
|---|---|
| Details | 3,135 sqft · built 1989 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $690,000 (Sep 2013) |
| Tax Bill | $18,605 (2025) |
| Deeds & Mortgages | Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 49-01003-0000-00006 |
| Primary APN | 49-01003-0000-00006 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,135 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 4900065000000038 |
|---|---|
| Street Address | 946 RAY AVE |
| City | RIDGEFIELD |
| State | NJ |
| Zip | 07657-1115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | 50X100 |
| Legal Subdivision | MORSEMERE |
| Legal Block | 1003 |
| Legal Lot Number | 6 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RIDGEFIELD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 45200 |
946 Ray Ave is owned and occupied by two individuals who bought it in September 2013.
Source: Bergen County and Ridgefield Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 946 RAY AVE, RIDGEFIELD, NJ 07657-1115 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2013 · Amount on File |
| Deed Sale | Sep 6, 2013 · Amount on File |
| Deed Document Number | 201397360 |
| Deed Book / Page | 1508 / 252 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 946 RAY AVE, RIDGEFIELD, NJ 07657-1115 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0025921057 |
|---|---|
| Date | Apr 20, 2017 |
| Book Page | 02592/1057 |
| Instrument | 17-032466 |
| Name | NEW MILLENNIUM BANK |
|---|---|
| Type | Bank |
| Address | FORT LEE, NJ 07024 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Mar 28, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 946 Ray Ave was $18,605, up 3.1% 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 | $1,115,600 (+1.58%) Land $310,000 Building $805,600 | $1,115,600 (+1.58%) Land $310,000 Building $805,600 | |
| 2025 | $18,605.00 (+3.1%) | $1,098,300 Land $305,000 Building $793,300 | $1,098,300 Land $305,000 Building $793,300 |
| 2024 | $18,046.00 | ||
| 2023 | $1,038,800 Land $290,000 Building $748,800 | $1,038,800 Land $290,000 Building $748,800 | |
| 2022 | $17,307.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 946 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.
The area around 946 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.
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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