Bergen County and Ramsey Borough property record for 12 Norman Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,896 sqft · built 1961 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $418,000 (Sep 2018) |
| Tax Bill | $13,165 (2025) |
| Deeds & Mortgages | Sep 2018 Sale & Mortgage Aug 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-05301-0000-00002 |
| Primary APN | 48-05301-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,896 sqft Living Area |
| 1st Floor Area | 1,896 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Construction Type | Frame |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 12 NORMAN DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.172AC |
| Legal Subdivision | RAMSEY COUNTRY CLUB ESTATES SE |
| Legal Block | 5301 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 44201 |
12 Norman Dr is owned and occupied by an individual who bought it in September 2018.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 NORMAN DR, RAMSEY, NJ 07446-2614 |
| 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 11, 2018 | Deed with Mortgage, Transfer · Conventional Mortgage USAA |
| Aug 15, 2018 | Grant Deed, Transfer PRESTIGE TITLE |
| Sep 7, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2018 · Amount on File |
| Deed Sale | Sep 11, 2018 · Amount on File |
| Prior Sale | Sep 7, 2017 |
| Deed Document Number | 20186445501 |
| Deed Book / Page | 3048 / 1852 |
| Prior Transfer Date | Mar 20, 2007 |
| Prior Transfer Doc | 9277000041 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 11, 2018 |
| Property Address | 12 NORMAN DR, RAMSEY, NJ 07446-2614 |
| Document Number | 0030481852 |
| Book / Page | 003048 / 001852 |
| Instrument Date | Aug 6, 2018 |
| Instrument | 64455 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2018 |
| Title Company | PRESTIGE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $418.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 NORMAN DR RAMSEY NJ 074462614, RAMSEY, NJ 07446-2614 |
| Document Number | 30481858 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 003048/001858 |
| Instrument | 64455 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 10, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 15, 2018 |
| Property Address | 12 NORMAN DR, RAMSEY, NJ 07446-2614 |
| Document Number | 0030280216 |
| Book / Page | 003028 / 000216 |
| Instrument Date | Jul 17, 2018 |
| Instrument | 58647 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2018 |
| Title Company | PRESTIGE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 7, 2017 |
| Property Address | 12 NORMAN DR, RAMSEY, NJ 07446-2614 |
| Document Number | 0027142301 |
| Book / Page | 002714 / 002301 |
| Instrument Date | May 9, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1801 E 9TH ST CLEVELAND OH 441143107, CLEVELAND, OH 44114-3107 |
The 2025 property tax bill for 12 Norman Dr was $13,165, down 6.7% 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 | $667,100 (+4.33%) Land $375,800 Building $291,300 | $667,100 (+4.33%) Land $375,800 Building $291,300 | |
| 2025 | $13,165.00 (-6.7%) | $639,400 Land $350,800 Building $288,600 | $639,400 Land $350,800 Building $288,600 |
| 2024 | $14,110.00 | ||
| 2023 | $500,000 Land $291,500 Building $208,500 | $500,000 Land $291,500 Building $208,500 | |
| 2022 | $13,115.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Norman Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 3 in force |
| Nearby Flood Claims | 9 (1978–2021) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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 12 Norman Dr 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 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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