Skip to content
Skip to content
TopHapOpen in map
Residential (General/Single)Residential
$1,381,599$392 / 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 93How 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 $1,100,000 on Aug 26, 2005

440 OAK ST

RIDGEFIELD, NJ 07657
0
Baths
3,520 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.

Valuation

$1.4M
$1.3M low$1.5M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,100,000 · Aug 26, 2005
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.$451,599
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$361,279
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.67%
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.$730,000
INDYMAC BANK FSB · E · recorded Dec 5, 2005
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.$200,000
GLOBE MORTGAGE AMERICA LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$20,069 (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.$1,202,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$377,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$825,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,184,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,202,500

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.0.34
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

H
Ridgefield Memorial High SchoolB-
High · Grades 9–12 · 0.3 mi
E
Bergen Boulevard School
Elementary · Grades 1–2 · 0.3 mi
M
Slocum Skewes SchoolB+
Middle · Grades 3–8 · 0.7 mi

District: Ridgefield Borough School District

Neighborhood · ZIP 07657These 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.85
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.118
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.114

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.11,739
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,212 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$95,854
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$130,610
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

440 Oak St 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.

  • Among the most valuable homes in Ridgefield 07657
  • Costs less per square foot than 67% of homes in Bergen County
  • Bigger than 95% of homes in Ridgefield 07657
  • Has a bigger lot than 98% of homes in Ridgefield 07657
  • Newer than 94% of homes in Ridgefield 07657

What homes are worth in Ridgefield 07657

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

This home
$326K$1.3M

This home is worth more than almost all homes in Ridgefield 07657.

How it measures up in Ridgefield 07657

The dot is this home. The mark in the middle is the typical home in Ridgefield 07657.

Estimated value$1,381,599
CheaperTypical $708,249Pricier

Pricier than almost all homes nearby

Price per ft²$392
CheaperTypical $410Pricier

Pricier than 41% of homes nearby

Living area3,520 ft²
SmallerTypical 1,837 ft²Bigger

Bigger than 95% of homes nearby

Lot size0.34 ac
SmallerTypical 0.11 acBigger

Bigger than 98% of homes nearby

Year built2002
OlderTypical 1949Newer

Newer than 94% of homes nearby

How 440 Oak St ranks against every home in each area.
MeasureThis homeRidgefield 07657Bergen County
Estimated valuepricier than$1,381,599almost all homes88% of homes
Price per ft²pricier than$39241% of homes33% of homes
Living areabigger than3,520 ft²95% of homes91% of homes
Lot sizebigger than0.34 ac98% of homes79% of homes
Year builtnewer than200294% of homes92% of homes

About 440 Oak St

How much is 440 Oak St, Ridgefield, NJ worth?

The TopHap Estimate for 440 Oak St, Ridgefield, NJ is $1,381,599 as of Jul 14, 2026. The likely range is $1,286,377 to $1,476,821. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 440 Oak St, Ridgefield, NJ last sell?

440 Oak St, Ridgefield, NJ last sold on Aug 26, 2005 for $1,100,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 440 Oak St, Ridgefield, NJ?

440 Oak St, Ridgefield, NJ has 3,520 square feet of living space and a 0.34-acre lot.

When was 440 Oak St, Ridgefield, NJ built?

440 Oak St, Ridgefield, NJ was built in 2002, making it 24 years old.

What schools serve 440 Oak St, Ridgefield, NJ?

440 Oak St, Ridgefield, NJ is assigned to Ridgefield Memorial High School (high), rated B-; Bergen Boulevard School (elementary); Slocum Skewes School (middle), rated B+. All sit in Ridgefield Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 440 Oak St, Ridgefield, NJ compare to other homes in Ridgefield 07657?

Among the 2,580 homes in Ridgefield 07657, it is worth more than almost all of them ($1,381,599 against a typical $708,249), its price per square foot is higher than 41% of them ($392 against a typical $410), it is bigger than 95% of them (3,520 ft² against a typical 1,837 ft²), its lot is bigger than 98% of them (0.34 ac against a typical 0.11 ac) and it is newer than 94% of them (2002 against a typical 1949). Measured against all of Bergen County, it is worth more than 88% 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 440 Oak St, Ridgefield, NJ?

The 2025 property tax bill for 440 Oak St, Ridgefield, NJ was $20,069. The county assessed it at $1,202,500.

Closest homes

More homes in Ridgefield 07657

Assigned schools

Explore the area

See this home in context

Open 440 Oak St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map