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Residential (General/Single)Residential
$1,679,835$535 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $655,000 on Jun 9, 2010

198 SPENCER PL

RIDGEWOOD, NJ 07450
0
Baths
3,140 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.7M
$1.6M low$1.8M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$655,000 · Jun 9, 2010
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,162,835
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$930,268
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.29%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$417,000
JPMORGAN CHASE BANK NA · recorded Aug 14, 2012
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$100,000
JP MORGAN CHASE BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$24,111 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$834,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$407,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$427,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$834,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$834,300

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyBERGEN
Lot (acres)The size of the land the home sits on, from county records.0.29
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Orchard Elementary SchoolA+
Elementary · Grades KG–5 · 0.3 mi
M
George Washington Middle SchoolB
Middle · Grades 6–8 · 0.3 mi
H
Ridgewood High SchoolA
High · Grades 9–12 · 1.3 mi

District: Ridgewood Village School District

Neighborhood · ZIP 07450These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.29
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.116
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.116

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.41%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.26,611
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,587 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$188,545
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$261,920
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

198 Spencer Pl measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 93% of homes in Bergen County
  • Costs more per square foot than 84% of homes in Bergen County
  • Bigger than 87% of homes in Bergen County
  • Has a bigger lot than 75% of homes in Bergen County
  • Older than 72% of homes in Bergen County

What homes are worth in Ridgewood 07450

Each bar is how many homes fall in that price range. The marker is this home.

This home
$630K$2.9M

This home is worth more than 77% of homes in Ridgewood 07450.

How it measures up in Ridgewood 07450

The dot is this home. The mark in the middle is the typical home in Ridgewood 07450.

Estimated value$1,679,835
CheaperTypical $1,219,223Pricier

Pricier than 77% of homes nearby

Price per ft²$535
CheaperTypical $555Pricier

Pricier than 39% of homes nearby

Living area3,140 ft²
SmallerTypical 2,273 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.29 ac
SmallerTypical 0.26 acBigger

Bigger than 59% of homes nearby

Year built1940
OlderTypical 1942Newer

Newer than 48% of homes nearby

How 198 Spencer Pl ranks against every home in each area.
MeasureThis homeRidgewood 07450Bergen County
Estimated valuepricier than$1,679,83577% of homes93% of homes
Price per ft²pricier than$53539% of homes84% of homes
Living areabigger than3,140 ft²78% of homes87% of homes
Lot sizebigger than0.29 ac59% of homes75% of homes
Year builtnewer than194048% of homes28% of homes

About 198 Spencer Pl

How much is 198 Spencer Pl, Ridgewood, NJ worth?

The TopHap Estimate for 198 Spencer Pl, Ridgewood, NJ is $1,679,835 as of Jul 14, 2026. The likely range is $1,582,364 to $1,777,306. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 198 Spencer Pl, Ridgewood, NJ last sell?

198 Spencer Pl, Ridgewood, NJ last sold on Jun 9, 2010 for $655,000, according to the county's recorded deed.

How big is 198 Spencer Pl, Ridgewood, NJ?

198 Spencer Pl, Ridgewood, NJ has 3,140 square feet of living space and a 0.29-acre lot.

When was 198 Spencer Pl, Ridgewood, NJ built?

198 Spencer Pl, Ridgewood, NJ was built in 1940, making it 86 years old. The building has 2 stories.

What schools serve 198 Spencer Pl, Ridgewood, NJ?

198 Spencer Pl, Ridgewood, NJ is assigned to Orchard Elementary School (elementary), rated A+; George Washington Middle School (middle), rated B; Ridgewood High School (high), rated A. All sit in Ridgewood Village School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 198 Spencer Pl, Ridgewood, NJ compare to other homes in Ridgewood 07450?

Among the 7,499 homes in Ridgewood 07450, it is worth more than 77% of them ($1,679,835 against a typical $1,219,223), its price per square foot is higher than 39% of them ($535 against a typical $555), it is bigger than 78% of them (3,140 ft² against a typical 2,273 ft²), its lot is bigger than 59% of them (0.29 ac against a typical 0.26 ac) and it is newer than 48% of them (1940 against a typical 1942). Measured against all of Bergen County, it is worth more than 93% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 198 Spencer Pl, Ridgewood, NJ?

The 2025 property tax bill for 198 Spencer Pl, Ridgewood, NJ was $24,111. The county assessed it at $834,300.

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Assigned schools

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