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Residential (General/Single)Residential
$734,640$447 / 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

645 RAY AVE

RIDGEFIELD, NJ 07657
0
Baths
1,644 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.
1954
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$735K
$688K low$782K high
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.$254,640
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$203,712
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.64%
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.$480,000
PNC BANK NA · recorded May 5, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,140 (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.$604,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$348,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$256,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$598,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$604,900

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.0.11
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.

H
Ridgefield Memorial High SchoolB-
High · Grades 9–12 · 0.3 mi
E
Bergen Boulevard School
Elementary · Grades 1–2 · 0.4 mi
M
Slocum Skewes SchoolB+
Middle · Grades 3–8 · 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 Ray 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.

  • Costs more per square foot than 69% of homes in Ridgefield 07657
  • 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 57% 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$734,640
CheaperTypical $705,495Pricier

Pricier than 57% of homes nearby

Price per ft²$447
CheaperTypical $410Pricier

Pricier than 69% of homes nearby

Living area1,644 ft²
SmallerTypical 1,848 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.11 ac
SmallerTypical 0.11 acBigger

Bigger than 31% of homes nearby

Year built1954
OlderTypical 1949Newer

Newer than 62% of homes nearby

How 645 Ray Ave ranks against every home in each area.
MeasureThis homeRidgefield 07657Bergen County
Estimated valuepricier than$734,64057% of homes45% of homes
Price per ft²pricier than$44769% of homes58% of homes
Living areabigger than1,644 ft²37% of homes39% of homes
Lot sizebigger than0.11 ac31% of homes22% of homes
Year builtnewer than195462% of homes50% of homes

About 645 Ray Ave

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

The TopHap Estimate for 645 Ray Ave, Ridgefield, NJ is $734,640 as of Jul 14, 2026. The likely range is $687,666 to $781,614. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

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

645 Ray Ave, Ridgefield, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 645 Ray Ave, Ridgefield, NJ?

645 Ray Ave, Ridgefield, NJ has 1,644 square feet of living space and a 0.11-acre lot.

When was 645 Ray Ave, Ridgefield, NJ built?

645 Ray Ave, Ridgefield, NJ was built in 1954, making it 72 years old. The building has 1 story.

What schools serve 645 Ray Ave, Ridgefield, NJ?

645 Ray Ave, 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 645 Ray Ave, Ridgefield, NJ compare to other homes in Ridgefield 07657?

Among the 2,580 homes in Ridgefield 07657, it is worth more than 57% of them ($734,640 against a typical $705,495), its price per square foot is higher than 69% of them ($447 against a typical $410), it is bigger than 37% of them (1,644 ft² against a typical 1,848 ft²), its lot is bigger than 31% of them (0.11 ac against a typical 0.11 ac) and it is newer than 62% of them (1954 against a typical 1949). Measured against all of Bergen County, it is worth more than 45% 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 Ray Ave, Ridgefield, NJ?

The 2025 property tax bill for 645 Ray Ave, Ridgefield, NJ was $10,140. The county assessed it at $604,900.

Closest homes

More homes in Ridgefield 07657

Assigned schools

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