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Residential (General/Single)Residential
$926,058$404 / 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 89How 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 $260,000 on Apr 7, 2000

645 ELM AVE

RIDGEFIELD, NJ 07657
0
Baths
2,290 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1949
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$926K
$827K low$1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$260,000 · Apr 7, 2000
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.$487,663
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$390,130
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.45%
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.$168,395
WELLS FARGO BANK · R · recorded May 10, 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.$270,000
WELLS FARGO BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,332 (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.$794,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$342,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$451,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$787,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$794,100

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.13 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.0.12
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
Slocum Skewes SchoolB+
Middle · Grades 3–8 · 0.4 mi
H
Ridgefield Memorial High SchoolB-
High · Grades 9–12 · 0.4 mi
E
Bergen Boulevard School
Elementary · Grades 1–2 · 0.5 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

645 Elm Ave 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 84% of homes in Ridgefield 07657
  • Bigger than 69% of homes in Bergen County
  • Has a smaller lot than 78% of homes in Bergen County

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
$302K$1.3M

This home is worth more than 84% of 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$926,058
CheaperTypical $706,932Pricier

Pricier than 84% of homes nearby

Price per ft²$404
CheaperTypical $410Pricier

Pricier than 47% of homes nearby

Living area2,290 ft²
SmallerTypical 1,837 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.11 ac
SmallerTypical 0.11 acBigger

Bigger than 33% of homes nearby

Year built1949
OlderTypical 1949Newer

Newer than 50% of homes nearby

How 645 Elm Ave ranks against every home in each area.
MeasureThis homeRidgefield 07657Bergen County
Estimated valuepricier than$926,05884% of homes67% of homes
Price per ft²pricier than$40447% of homes39% of homes
Living areabigger than2,290 ft²68% of homes69% of homes
Lot sizebigger than0.11 ac33% of homes22% of homes
Year builtnewer than194950% of homes38% of homes

About 645 Elm Ave

How much is 645 Elm Ave, Ridgefield, NJ worth?

The TopHap Estimate for 645 Elm Ave, Ridgefield, NJ is $926,058 as of Jul 14, 2026. The likely range is $826,789 to $1,025,327. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Elm Ave, Ridgefield, NJ last sell?

645 Elm Ave, Ridgefield, NJ last sold on Apr 7, 2000 for $260,000, according to the county's recorded deed.

How big is 645 Elm Ave, Ridgefield, NJ?

645 Elm Ave, Ridgefield, NJ has 2,290 square feet of living space and a 0.12-acre lot.

When was 645 Elm Ave, Ridgefield, NJ built?

645 Elm Ave, Ridgefield, NJ was built in 1949, making it 77 years old. The building has 2 stories.

What schools serve 645 Elm Ave, Ridgefield, NJ?

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

How does 645 Elm Ave, Ridgefield, NJ compare to other homes in Ridgefield 07657?

Among the 2,580 homes in Ridgefield 07657, it is worth more than 84% of them ($926,058 against a typical $706,932), its price per square foot is higher than 47% of them ($404 against a typical $410), it is bigger than 68% of them (2,290 ft² against a typical 1,837 ft²), its lot is bigger than 33% of them (0.11 ac against a typical 0.11 ac) and it is newer than 50% of them (1949 against a typical 1949). Measured against all of Bergen County, it is worth more than 67% 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 645 Elm Ave, Ridgefield, NJ?

The 2025 property tax bill for 645 Elm Ave, Ridgefield, NJ was $13,332. The county assessed it at $794,100.

Closest homes

More homes in Ridgefield 07657

Assigned schools

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