960 Ray Ave, Ridgefield, NJ 07657 Property Records

Bergen County and Ridgefield Borough property record for 960 Ray Ave, Ridgefield, NJ 07657

Property Summary

Property Type	Single Family Home
Details	2,628 sqft · built 2020
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Jul 2023)
Tax Bill	$17,657 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-01003-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`49-01003-0000-00002`
Alternative APNs	`4900065000000046` `490100300002`

Interior

Stories	1 Story
Building Area	2,628 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	4900065000000046
Street Address	960 RAY AVE
City	RIDGEFIELD
State	NJ
Zip	07657-1115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	L47 50X100 2.0L
Legal Subdivision	MORSEMERE MAP 1014
Legal Block	1003
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEFIELD
Census Block Group	1
Census Block	1009
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	2 Individual Names on Record
Mailing Address	960 RAY AVE, RIDGEFIELD, NJ 07657-1115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed, Transfer · Conventional Mortgage CITIBANK NA
Jul 10, 2020	Deed, Transfer · Conventional Mortgage NEWREZ LLC
Jan 3, 2018	Grant Deed, Transfer VESTED LAND SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	Jul 10, 2020 · Amount on Record
Deed Document Number	202349240
Deed Book / Page	5046 / 1384
Prior Transfer Date	Jan 16, 1998
Prior Transfer Doc	0000013088
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 27, 2023
Property Address	960 RAY AVE, RIDGEFIELD, NJ 07657-1115
Document Number	0050461384
Book / Page	5046 / 1384
Instrument Date	Jul 24, 2023
Instrument	2023049240
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	NORTH BERGEN TITLE AGENCY INC, NORTH BERGEN TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	960 RAY AVE, RIDGEFIELD, NJ 07657-1115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 RAY AVE, RIDGEFIELD, NJ 07657-1115

Mortgage

Document Number	2023049241
Date	Jul 27, 2023
Instrument	2023049241

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 10, 2020
Property Address	960 RAY AVE, RIDGEFIELD, NJ 07657-1115
Document Number	0036400025
Book / Page	3640 / 25
Instrument Date	Mar 13, 2020
Instrument	20-064591
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	63 HOOK RD, 63, BAYONNE, NJ 07002-5004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 RAY AVE, RIDGEFIELD, NJ 07657-1115

Mortgage

Document Number	0020064592
Date	Jul 10, 2020
Instrument	20-064592

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7%
Index	1-Year LIBOR
Max Rate	10%

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 3, 2018
Property Address	960 RAY AVE, RIDGEFIELD, NJ 07657-1115
Document Number	0028250915
Book / Page	002825 / 000915
Instrument Date	Dec 15, 2017
Transaction Type	Transfer
Record Updated	Jan 11, 2018
Title Company	VESTED LAND SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$272.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	960 RAY AVE RIDGEFIELD NJ 076571115, RIDGEFIELD, NJ 07657-1115

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		$1,057,800 (+1.49%) Land $310,000 Building $747,800	$1,057,800 (+1.49%) Land $310,000 Building $747,800
2025	$17,657.00 (+2.99%)	$1,042,300 (+9.52%) Land $305,000 Building $737,300	$1,042,300 (+9.52%) Land $305,000 Building $737,300
2024	$17,144.00 (+8.03%)
2023		$951,700 (+1.64%) Land $290,000 Building $661,700	$951,700 (+1.64%) Land $290,000 Building $661,700
2022	$15,870.00 (+28.81%)	$936,300 Land $285,000 Building $651,300	$936,300 Land $285,000 Building $651,300
2021	$12,320.00

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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