956 Ray Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 956 Ray Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	1,584 sqft · built 1921
Lot Size	0.115 acres (5,001 sqft)
Owner	Company Name on File
Last Sale	$475,000 (Sep 2018)
Tax Bill	$8,849 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-01003-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`49-01003-0000-00003`
Alternative APNs	`4900065000000044` `490100300003`

Interior

Stories	2 Stories
Building Area	1,584 sqft Living Area

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
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	4900065000000044
Street Address	956 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	3
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	1
Census Block	1009
Census Tract	45200

Owner

956 Ray Ave is owned by a company that bought it in September 2018.

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

Owner of Record	Company Name on File
Mailing Address	956 RAY AVE, RIDGEFIELD, NJ 07657-1115
Owner Type	Company

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
May 26, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Sep 5, 2019	Deed of Trust, Mortgage · FHA Mortgage BOND STREET MORTGAGE LLC
Sep 15, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2018 · Amount on File
Deed Sale	Sep 15, 2018 · Amount on File
Prior Sale	Nov 20, 2013 · Amount on File
Deed Document Number	201818-065803
Deed Book / Page	3053 / 1174
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	956 RAY AVE, RIDGEFIELD, NJ 07657-1115
Transaction Type	Mortgage
Record Updated	Jul 19, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041680364
Date	May 26, 2021
Book Page	4168/364
Instrument	2021083649

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	956 RAY AVE, RIDGEFIELD, NJ 07657-1115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MONUMENT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033391074
Date	Sep 5, 2019
Book Page	3339/1074
Instrument	19-058292

Lender

Name	BOND STREET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 15, 2018
Property Address	956 RAY AVE, RIDGEFIELD, NJ 07657-1115
Document Number	0030531174
Book / Page	3053 / 1174
Instrument Date	Aug 31, 2018
Instrument	00018-065803
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	956 RAY AVE, RIDGEFIELD, NJ 07657-1115
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 956 Ray Ave was $8,849, up 2.5% 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		$530,400 (+1.53%) Land $310,000 Building $220,400	$530,400 (+1.53%) Land $310,000 Building $220,400
2025	$8,849.00 (+2.55%)	$522,400 Land $305,000 Building $217,400	$522,400 Land $305,000 Building $217,400
2024	$8,629.00
2023		$494,300 Land $290,000 Building $204,300	$494,300 Land $290,000 Building $204,300
2022	$8,225.00

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

Flood

FEMA maps place 956 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 956 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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