Bergen County and Ramsey Borough property record for 100 Prospect St, Ramsey, NJ 07446
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 1,356 sqft · built 1950 |
| Lot Size | 0.263 acres (11,456 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $605,000 (Feb 2025) |
| Tax Bill | $10,517 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00018 |
| Primary APN | 48-04905-0000-00018 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,356 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Frame |
| Lot Area | 11,456 sqft (0.263 acres) |
| Lot Dimensions | 104 ft deep x 110 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 100 PROSPECT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2540 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | R3 |
| Legal Description | 0.263AC DISABLED VETERAN |
| Legal Subdivision | BOROUGH/RAMSEY |
| Legal Block | 4905 |
| Legal Lot Number | 18 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 44201 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 100 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 27, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 7, 2018 | Deed of Trust, Mortgage · Line of Credit WFB NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2025 · Amount on File |
| Deed Sale | Feb 13, 2025 · Amount on File |
| Prior Sale | Aug 20, 1996 · Amount on File |
| Deed Document Number | 202510602 |
| Deed Book / Page | 5428 / 421 |
| Prior Transfer Date | Jan 7, 2025 |
| Prior Transfer Doc | 0054280421 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 100 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 100 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Document Number | 0056310006 |
|---|---|
| Date | Oct 27, 2025 |
| Book Page | 5631/6 |
| Instrument | 2025072981 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 100 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Document Number | 0028901247 |
| Instrument Date | Mar 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 100 PROSPECT ST RAMSEY NJ 074462540, RAMSEY, NJ 07446-2540 |
| Document Number | 0028901247 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 002890/001247 |
| Name | WFB NA |
|---|---|
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 25, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $518,700 (+1.55%) Land $267,300 Building $251,400 | $518,700 (+1.55%) Land $267,300 Building $251,400 | |
| 2025 | $10,517.00 (+5.39%) | $510,800 (+44.46%) Land $267,300 Building $243,500 | $510,800 (+44.46%) Land $267,300 Building $243,500 |
| 2024 | $9,979.00 (+7.6%) | ||
| 2023 | $353,600 Land $186,800 Building $166,800 | $353,600 Land $186,800 Building $166,800 | |
| 2022 | $9,274.00 |
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 94% of the US · lower than 85% 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: 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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