Bergen County and Ramsey Borough property record for 108 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,747 sqft · built 1939 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Aug 2021) |
| Tax Bill | $14,469 (2025) |
| Deeds & Mortgages | Aug 2021 Sale Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01902-0000-00007 |
| Primary APN | 48-01902-0000-00007 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,747 sqft Living Area |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Construction Type | Frame |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 108 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.258AC |
| Legal Block | 1902 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| 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 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2021 | Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO |
| Aug 30, 2017 | Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2021 · Amount on Record |
| Deed Sale | Aug 3, 2021 · Amount on Record |
| Prior Sale | Aug 30, 2017 · Amount on Record |
| Deed Document Number | 2021124924 |
| Deed Book / Page | 4310 / 913 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 3, 2021 |
| Property Address | 108 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 0043100913 |
| Book / Page | 4310 / 913 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 2021124924 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 TIMBER TRL, 15, RAMSEY, NJ 07446-2124 |
| Name | Verified Name |
|---|---|
| Address | 108 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 30, 2017 |
| Property Address | 108 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 0027090051 |
| Book / Page | 02709 / 0051 |
| Instrument Date | Aug 3, 2017 |
| Instrument | 17-065062 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | ARDENT TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,047.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 ELBERT ST, 108, RAMSEY, NJ 07446-1404 |
| Name | Verified Name |
|---|---|
| Address | 108 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 0027090057 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 02709/0057 |
| Instrument | 17-065062.01 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
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 | $730,800 (+4%) Land $388,700 Building $342,100 | $730,800 (+4%) Land $388,700 Building $342,100 | |
| 2025 | $14,469.00 (-4.82%) | $702,700 (+30.44%) Land $363,700 Building $339,000 | $702,700 (+30.44%) Land $363,700 Building $339,000 |
| 2024 | $15,202.00 (+7.59%) | ||
| 2023 | $538,700 Land $294,400 Building $244,300 | $538,700 Land $294,400 Building $244,300 | |
| 2022 | $14,130.00 |
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
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 256 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 |
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