Bergen County and Ramsey Borough property record for 108 E Oak St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,274 sqft · built 1963 |
| Lot Size | 0.419 acres (18,252 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $249,500 (Jul 1993) |
| Tax Bill | $15,587 (2025) |
| Deeds & Mortgages | May 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 48-03204-0000-00027 |
| Primary APN | 48-03204-0000-00027 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,274 sqft Living Area |
| 1st Floor Area | 2,274 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Frame |
| Lot Area | 18,252 sqft (0.419 acres) |
| Lot Dimensions | 160 ft deep x 114 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 108 E OAK ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.419AC |
| Legal Block | 3204 |
| Legal Lot Number | 27 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 44100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 108 E OAK ST, RAMSEY, NJ 07446-2341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 1993 · Amount on Record |
| Deed Sale | Jul 16, 1993 · Amount on Record |
| Deed Book / Page | 7619 / 500 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 108 E OAK ST, RAMSEY, NJ 07446-2341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036041182 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 3604/1182 |
| Instrument | 20-051109 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 24, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $785,500 (+3.76%) Land $405,400 Building $380,100 | $785,500 (+3.76%) Land $405,400 Building $380,100 | |
| 2025 | $15,587.00 (-3.18%) | $757,000 (+32.69%) Land $380,400 Building $376,600 | $757,000 (+32.69%) Land $380,400 Building $376,600 |
| 2024 | $16,099.00 (+7.58%) | ||
| 2023 | $570,500 Land $279,000 Building $291,500 | $570,500 Land $279,000 Building $291,500 | |
| 2022 | $14,964.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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.
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 | 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 283 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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