Bergen County and Ramsey Borough property record for 112 Refy Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,344 sqft · built 2010 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Sep 2009) |
| Tax Bill | $19,631 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03408-0000-00014 |
| Primary APN | 48-03408-0000-00014 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,344 sqft Living Area |
| 1st Floor Area | 2,344 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Frame |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 112 REFY AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2497 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.344AC |
| Legal Block | 3408 |
| Legal Lot Number | 14 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 44201 |
Source: Bergen County and Ramsey Borough records · APN 48-03408-0000-00014
Assessment roll updated June 29, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 112 REFY AVE, RAMSEY, NJ 07446-2497 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 09, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Mar 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 09, 2009 · Amount on Record |
| Deed Sale | Sep 09, 2009 · Amount on Record |
| Deed Document Number | 20092371503 |
| Deed Book / Page | 237 / 1503 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 112 REFY AVE, RAMSEY, NJ 07446-2497 |
| Document Number | 0035810001 |
| Instrument Date | Apr 09, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 03, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 112 REFY AVE RAMSEY NJ 074462497, RAMSEY, NJ 07446-2497 |
| Document Number | 0035810001 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 003581/000001 |
| Instrument | 20042914 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 26, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 112 REFY AVE, RAMSEY, NJ 07446-2497 |
| Document Number | 0029020694 |
| Instrument Date | Mar 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2018 |
| Title Company | OMEGA SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 112 REFY AVE RAMSEY NJ 074462497, RAMSEY, NJ 07446-2497 |
| Document Number | 0029020694 |
|---|---|
| Date | Apr 07, 2018 |
| Book Page | 002902/000694 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 06, 2048 |
Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ramsey Borough |
| Unified School District | Ramsey Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $981,800 (+2.98%) Land $379,800 Building $602,000 | $981,800 (+2.98%) Land $379,800 Building $602,000 | |
| 2025 | $19,631.00 (+9.55%) | $953,400 (+50.14%) Land $351,300 Building $602,100 | $953,400 (+50.14%) Land $351,300 Building $602,100 |
| 2024 | $17,919.00 (+7.58%) | ||
| 2023 | $635,000 Land $261,400 Building $373,600 | $635,000 Land $261,400 Building $373,600 | |
| 2022 | $16,656.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 283 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RAMSEY WATER DEPT serves 15,207 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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