Bergen County and Ramsey Borough property record for 10 Gertzen Rd, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,044 sqft · built 1930 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on File |
| Last Sale | $683,000 (Dec 2020) |
| Tax Bill | $16,546 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Aug 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04401-0000-00020 |
| Primary APN | 48-04401-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,044 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 19,166 sqft (0.44 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 10 GERTZEN RD |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 0.440AC |
| Legal Block | 4401 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 44202 |
10 Gertzen Rd is owned and occupied by an individual who bought it in December 2020.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 GERTZEN RD, RAMSEY, NJ 07446-1214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2020 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 29, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| May 27, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2020 · Amount on File |
| Deed Sale | Dec 31, 2020 · Amount on File |
| Prior Sale | Jul 31, 1997 · Amount on File |
| Deed Document Number | 2020140911 |
| Deed Book / Page | 3890 / 994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 31, 2020 |
| Property Address | 10 GERTZEN RD, RAMSEY, NJ 07446-1214 |
| Document Number | 0038900994 |
| Book / Page | 3890 / 994 |
| Instrument Date | Oct 22, 2020 |
| Instrument | 20-140911 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,064.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1210 SE 12TH TER, 1210, CAPE CORAL, FL 33990-3656 |
| Name | Verified Name |
|---|---|
| Address | 10 GERTZEN RD, RAMSEY, NJ 07446-1214 |
| Document Number | 20140912 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 20-140912 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 10 GERTZEN RD, RAMSEY, NJ 07446-1214 |
| Document Number | 0033690838 |
| Instrument Date | Aug 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 10 GERTZEN RD RAMSEY NJ 074461214, RAMSEY, NJ 07446-1214 |
| Document Number | 0033690838 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 003369/000838 |
| Instrument | 66630 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 7, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 10 GERTZEN RD, RAMSEY, NJ 07446-1214 |
| Document Number | 0026401541 |
| Instrument Date | May 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 10 GERTZEN RD RAMSEY NJ 074461214, RAMSEY, NJ 07446-1214 |
| Document Number | 0026401541 |
|---|---|
| Date | Jun 16, 2017 |
| Book Page | 002640/001541 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 15, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 10 Gertzen Rd was $16,546, up 2% from the year before.
Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ramsey Borough |
| Unified School District | Ramsey Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $808,300 (+0.58%) Land $298,300 Building $510,000 | $808,300 (+0.58%) Land $298,300 Building $510,000 | |
| 2025 | $16,546.00 (+1.97%) | $803,600 Land $298,300 Building $505,300 | $803,600 Land $298,300 Building $505,300 |
| 2024 | $16,226.00 | ||
| 2023 | $575,000 Land $267,300 Building $307,700 | $575,000 Land $267,300 Building $307,700 | |
| 2022 | $15,082.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Gertzen Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 9 (1990–2021) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 10 Gertzen Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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