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Residential (General/Single)Residential
$914,847$555 / 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 95How 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

431 PROSPECT ST

RIDGEWOOD, NJ 07450
0
Baths
1,647 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1956
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

$915K
$865K low$965K 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.$464,847
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$371,878
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.51%
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.$450,000
MLD MORTGAGE · recorded Feb 2, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,031 (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.$450,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$285,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$165,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$450,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$450,900

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.10 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)
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyBERGEN
Lot (acres)The size of the land the home sits on, from county records.0.19
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(5)

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
Hawes Elementary SchoolA-
Elementary · Grades KG–5 · 0.8 mi
H
Ridgewood High SchoolA
High · Grades 9–12 · 0.8 mi
M
Benjamin Franklin Middle SchoolB
Middle · Grades 6–8 · 1.5 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

431 Prospect 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.

  • Worth less than 81% of homes in Ridgewood 07450
  • Costs more per square foot than 88% of homes in Bergen County
  • Smaller than 79% of homes in Ridgewood 07450
  • Has a smaller lot than 73% of homes in Ridgewood 07450
  • Newer than 79% of homes in Ridgewood 07450

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
$632K$2.8M

This home is worth more than 19% 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$914,847
CheaperTypical $1,217,508Pricier

Pricier than 19% of homes nearby

Price per ft²$555
CheaperTypical $556Pricier

Pricier than 50% of homes nearby

Living area1,647 ft²
SmallerTypical 2,257 ft²Bigger

Bigger than 21% of homes nearby

Lot size0.19 ac
SmallerTypical 0.26 acBigger

Bigger than 27% of homes nearby

Year built1956
OlderTypical 1943Newer

Newer than 79% of homes nearby

How 431 Prospect St ranks against every home in each area.
MeasureThis homeRidgewood 07450Bergen County
Estimated valuepricier than$914,84719% of homes66% of homes
Price per ft²pricier than$55550% of homes88% of homes
Living areabigger than1,647 ft²21% of homes39% of homes
Lot sizebigger than0.19 ac27% of homes59% of homes
Year builtnewer than195679% of homes55% of homes

About 431 Prospect St

How much is 431 Prospect St, Ridgewood, NJ worth?

The TopHap Estimate for 431 Prospect St, Ridgewood, NJ is $914,847 as of Jul 14, 2026. The likely range is $865,085 to $964,609. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 431 Prospect St, Ridgewood, NJ last sell?

431 Prospect St, Ridgewood, NJ last sold on Dec 27, 2018, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 431 Prospect St, Ridgewood, NJ?

431 Prospect St, Ridgewood, NJ has 1,647 square feet of living space and a 0.19-acre lot.

When was 431 Prospect St, Ridgewood, NJ built?

431 Prospect St, Ridgewood, NJ was built in 1956, making it 70 years old. It is a cape cod home. The building has 1 story.

What schools serve 431 Prospect St, Ridgewood, NJ?

431 Prospect St, Ridgewood, NJ is assigned to Hawes Elementary School (elementary), rated A-; Ridgewood High School (high), rated A; Benjamin Franklin Middle School (middle), rated B. All sit in Ridgewood Village School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 431 Prospect St, Ridgewood, NJ compare to other homes in Ridgewood 07450?

Among the 7,499 homes in Ridgewood 07450, it is worth more than 19% of them ($914,847 against a typical $1,217,508), its price per square foot is higher than 50% of them ($555 against a typical $556), it is bigger than 21% of them (1,647 ft² against a typical 2,257 ft²), its lot is bigger than 27% of them (0.19 ac against a typical 0.26 ac) and it is newer than 79% of them (1956 against a typical 1943). Measured against all of Bergen County, it is worth more than 66% 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 431 Prospect St, Ridgewood, NJ?

The 2025 property tax bill for 431 Prospect St, Ridgewood, NJ was $13,031. The county assessed it at $450,900.

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