Bergen County and Ramsey Borough property record for 10 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,280 sqft · built 1983 |
| Lot Size | 0.024 acres (1,045 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $675,000 (Sep 2022) |
| Tax Bill | $12,611 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jun 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0010 |
| Primary APN | 48-04905-0000-00042-0000-C0010 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,280 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,045 sqft (0.024 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 10 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PROSPECT PARK |
| Legal Block | 4905 |
| Legal Lot Number | 42 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 44201 |
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2022 | Deed, Transfer · Conventional Mortgage US BANK NA |
| Jun 24, 2022 | Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Feb 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA |
| May 9, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2022 · Amount on Record |
| Deed Sale | Sep 14, 2022 · Amount on Record |
| Prior Sale | Jun 24, 2022 · Amount on Record |
| Deed Document Number | 202291148 |
| Deed Book / Page | 4808 / 58 |
| Prior Transfer Date | Apr 18, 2018 |
| Prior Transfer Doc | 0029360214 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 14, 2022 |
| Property Address | 10 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Document Number | 0048080058 |
| Book / Page | 4808 / 58 |
| Instrument Date | Aug 30, 2022 |
| Instrument | 2022091148 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | CARDINAL TITLE, CARDINAL TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,980.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1191 MIDDLE GULF DR # DR3A, 1191, SANIBEL, FL 33957-6728 |
| Name | Verified Name |
|---|---|
| Address | 10 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Document Number | 2022091149 |
|---|---|
| Date | Sep 14, 2022 |
| Instrument | 2022091149 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 24, 2022 |
| Property Address | 10 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Document Number | 0047210715 |
| Book / Page | 4721 / 715 |
| Instrument Date | May 5, 2022 |
| Instrument | 2022063799 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,866.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 168 CHESTNUT ST APT 324, 168, RIDGEWOOD, NJ 07450-2573 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 10 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 10 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045821682 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 4582/1682 |
| Instrument | 2022020001 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 9, 2018 |
| Property Address | 10 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Document Number | 0029360214 |
| Book / Page | 002936 / 000214 |
| Instrument Date | Apr 18, 2018 |
| Instrument | 32690 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 SPRUCE RUN RAMSEY NJ 074462557, RAMSEY, NJ 07446-2557 |
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 | $621,300 (+1.44%) Land $205,000 Building $416,300 | $621,300 (+1.44%) Land $205,000 Building $416,300 | |
| 2025 | $12,611.00 (-3.79%) | $612,500 (+31.86%) Land $200,000 Building $412,500 | $612,500 (+31.86%) Land $200,000 Building $412,500 |
| 2024 | $13,108.00 (+7.59%) | ||
| 2023 | $464,500 Land $190,000 Building $274,500 | $464,500 Land $190,000 Building $274,500 | |
| 2022 | $12,183.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RAMSEY WATER DEPT serves 15,207 people · EPA ID NJ0248001 |
|---|---|
| Water Source | Purchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 267 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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