Bergen County and Ramsey Borough property record for 12 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,546 sqft · built 1983 |
| Lot Size | 0.024 acres (1,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,000 (May 2017) |
| Tax Bill | $13,077 (2025) |
| Deeds & Mortgages | Sep 2019 Refinance May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0012 |
| Primary APN | 48-04905-0000-00042-0000-C0012 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,546 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,038 sqft (0.024 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 12 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PROSPECT PARK CONDO |
| Legal Block | 4905 |
| Legal Lot Number | 42 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 44201 |
12 Spruce Run is owned and occupied by two individuals who bought it in May 2017.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| May 22, 2017 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2017 · Amount on File |
| Deed Sale | May 22, 2017 · Amount on File |
| Prior Sale | May 23, 1996 · Amount on File |
| Deed Document Number | 201739448 |
| Deed Book / Page | 2616 / 1606 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0033441153 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 3344/1153 |
| Instrument | 19-059702 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 22, 2017 |
| Property Address | 12 SPRUCE RUN, RAMSEY, NJ 07446-2557 |
| Document Number | 0026161606 |
| Book / Page | 02616 / 1606 |
| Instrument Date | May 12, 2017 |
| Instrument | 17-039448 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 213 HIGHLAND RD, 213, MAHWAH, NJ 07430-1408 |
| Name | Verified Name |
|---|
| Document Number | 0026161612 |
|---|---|
| Date | May 22, 2017 |
| Book Page | 02616/1612 |
| Instrument | 17-039448.01 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 12 Spruce Run was $13,077, 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 | $724,400 (+14.06%) Land $205,000 Building $519,400 | $724,400 (+14.06%) Land $205,000 Building $519,400 | |
| 2025 | $13,077.00 (-5.89%) | $635,100 Land $200,000 Building $435,100 | $635,100 Land $200,000 Building $435,100 |
| 2024 | $13,895.00 | ||
| 2023 | $492,400 Land $190,000 Building $302,400 | $492,400 Land $190,000 Building $302,400 | |
| 2022 | $12,915.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Spruce Run 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 | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 Spruce Run 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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