Bergen County and Ramsey Borough property record for 115 S Central Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,410 sqft · built 1938 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $14,623 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-02905-0000-00006 |
| Primary APN | 48-02905-0000-00006 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,410 sqft Living Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Construction Type | Frame |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 115 S CENTRAL AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.215AC |
| Legal Block | 2905 |
| Legal Lot Number | 6 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 44100 |
115 S Central Ave is owned and occupied by two individuals.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 S CENTRAL AVE, RAMSEY, NJ 07446-2450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 29, 2023 | Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE |
| Nov 27, 2023 | Deed, Transfer · Conventional Mortgage UNIVERSAL FINANCIAL MORTGAGE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 115 S CENTRAL AVE, RAMSEY, NJ 07446-2450 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0050940448 |
|---|---|
| Date | Sep 29, 2023 |
| Book Page | 5094/448 |
| Instrument | 2023064173 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 27, 2023 |
| Property Address | 115 S CENTRAL AVE, RAMSEY, NJ 07446-2450 |
| Document Number | 0051321101 |
| Book / Page | 5132 / 1101 |
| Instrument Date | Nov 17, 2023 |
| Instrument | 2023076545 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,597.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3205 TUDOR DR, POMPTON PLAINS, NJ 07444-1145 |
| Name | Verified Name |
|---|---|
| Address | 115 S CENTRAL AVE, RAMSEY, NJ 07446-2450 |
| Document Number | 2023076546 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 2023076546 |
| Name | UNIVERSAL FINANCIAL MORTGAGE GROUP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
The 2025 property tax bill for 115 S Central Ave was $14,623, down 5.9% from the year before.
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 | $734,200 (+3.38%) Land $302,300 Building $431,900 | $734,200 (+3.38%) Land $302,300 Building $431,900 | |
| 2025 | $14,623.00 (-5.85%) | $710,200 Land $282,300 Building $427,900 | $710,200 Land $282,300 Building $427,900 |
| 2024 | $15,532.00 | ||
| 2023 | $531,900 Land $241,100 Building $290,800 | $531,900 Land $241,100 Building $290,800 | |
| 2022 | $13,951.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 S Central Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1992.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
Wildfire risk around 115 S Central Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% 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 285 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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