Bergen County and Ramsey Borough property record for 12 Refy Ave, Ramsey, NJ 07446 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1956 |
| Square Footage | 1,866 sqft Living Area |
| Lot Size | 11,413 sqft (0.262 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $62,249 (2025) |
| Tax Bill | $17,504.00 (2025) |
| Primary APN | 48-03408-0000-00001 |
|---|---|
| Alternative APN |
|
| Building Area | 1,866 sqft Living Area |
|---|---|
| 1st Floor | 1,866 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Frame Construction |
| Lot Area | 11,413 sqft (0.262 acres) |
| Depth X Width | 120 ft x 95 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Street Address | 12 REFY AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2435 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 0.262AC |
| Legal Block | 3408 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Minor Civil Division | RAMSEY |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 44201 |
Source: Bergen County and Ramsey Borough records · APN 48-03408-0000-00001
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 | Individual Name on File |
|---|---|
| Mailing Address | 12 REFY AVE, RAMSEY, NJ 07446-2435 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenants In Common |
| Date | Document |
|---|---|
| Jun 25, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Jun 09, 2017 | Deed of Trust, Mortgage SPENCER SAVINGS BANK |
| Jun 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SPENCER SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 30, 2025 · Amount on Record |
| Deed Sale | Apr 30, 2025 · Amount on Record |
| Prior Sale | Jun 25, 2021 · Amount on Record |
| Deed Doc Number | 202530733 |
| Deed Book / Page | 5492 / 1551 |
| Prior Transfer Date | Mar 14, 2025 |
| Prior Transfer Doc | 0054921551 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 25, 2021 |
| Property Address | 12 REFY AVE, RAMSEY, NJ 07446-2435 |
| Document Number | 0042370416 |
| Book / Page | 4237 / 416 |
| Instrument Date | Jun 10, 2021 |
| Instrument | 2021102881 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,031.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 REFY AVE, 12, RAMSEY, NJ 07446-2435 |
| Name | Verified Name |
|---|---|
| Address | 12 REFY AVE, RAMSEY, NJ 07446-2435 |
| Document Number | 2021102882 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 2021102882 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 REFY AVE, RAMSEY, NJ 07446-2435 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0026340326 |
|---|---|
| Date | Jun 09, 2017 |
| Book Page | 02634/0326 |
| Instrument | 17-044478 |
| Name | SPENCER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ELMWOOD PARK, NJ 07407 |
| Amount | Amount Recorded |
|---|---|
| Term | 239 Months |
| Due | May 30, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 REFY AVE, RAMSEY, NJ 07446-2435 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0026351687 |
|---|---|
| Date | Jun 12, 2017 |
| Book Page | 02635/1687 |
| Instrument | 17-044831 |
| Name | SPENCER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ELMWOOD PARK, NJ 07407 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 05, 2027 |
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 | $746,100 (-12.23%) Land $389,300 Building $356,800 | $746,100 (-12.23%) Land $389,300 Building $356,800 | |
| 2025 | $17,504.00 (+1.02%) | $850,100 (+38.45%) Land $359,300 Building $490,800 | $850,100 (+38.45%) Land $359,300 Building $490,800 |
| 2024 | $17,327.00 (+51.17%) | ||
| 2023 | $614,000 Land $269,700 Building $344,300 | $614,000 Land $269,700 Building $344,300 | |
| 2022 | $11,462.00 |
Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 6% of the US · above 16% of New Jersey |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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