Bergen County and Ramsey Borough property record for 120 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,486 sqft · built 1938 |
| Lot Size | 1.76 acres (77,101 sqft) |
| Owner | Individual on Record |
| Last Sale | $575,000 (Jan 2023) |
| Tax Bill | $21,630 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01902-0000-00008 |
| Primary APN | 48-01902-0000-00008 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,486 sqft Living Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Construction Type | Frame |
| Lot Area | 77,101 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 120 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 1.770AC |
| Legal Block | 1902 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 120 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Mar 15, 2024 | Deed, Transfer · Conventional Mortgage WILLAM JERGENSON |
| Jan 20, 2023 | Deed, Transfer · Balloon Mortgage CHANGE URFTR LLC |
| May 8, 2018 | Deed of Trust, Mortgage ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2023 · Amount on Record |
| Deed Sale | Jan 20, 2023 · Amount on Record |
| Deed Document Number | 20235875 |
| Deed Book / Page | 4911 / 1846 |
| Last Transfer Date | Aug 19, 2024 |
| Transfer Doc | 0053301701 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 15, 2024 |
| Property Address | 120 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 0051941272 |
| Book / Page | 5194 / 1272 |
| Instrument Date | Jan 27, 2024 |
| Instrument | 2024014317 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Title Company | GUARDIAN TITLE SERVICES, GUARDIAN TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Name | Verified Name |
|---|---|
| Address | 120 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 2024014318 |
|---|---|
| Date | Mar 15, 2024 |
| Instrument | 2024014318 |
| Name | WILLAM JERGENSON |
|---|---|
| Type | Private Party |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Feb 1, 2025 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 20, 2023 |
| Property Address | 120 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 0049111846 |
| Book / Page | 4911 / 1846 |
| Instrument Date | Dec 27, 2022 |
| Instrument | 2023005875 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2023 |
| Title Company | GUARDIAN TITLE SERVICES, GUARDIAN TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,920.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24 N MAY PL, NANUET, NY 10954-3447 |
| Name | Verified Name |
|---|---|
| Address | 120 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 2023005876 |
|---|---|
| Date | Jan 20, 2023 |
| Instrument | 2023005876 |
| Name | CHANGE URFTR LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Dec 1, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 120 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 0029550780 |
| Instrument Date | May 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 120 ELBERT ST RAMSEY NJ 074461404, RAMSEY, NJ 07446-1404 |
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 | $1,081,300 (+2.93%) Land $445,600 Building $635,700 | $1,081,300 (+2.93%) Land $445,600 Building $635,700 | |
| 2025 | $21,630.00 (+8.32%) | $1,050,500 (+48.46%) Land $420,600 Building $629,900 | $1,050,500 (+48.46%) Land $420,600 Building $629,900 |
| 2024 | $19,968.00 (+7.59%) | ||
| 2023 | $707,600 Land $330,700 Building $376,900 | $707,600 Land $330,700 Building $376,900 | |
| 2022 | $18,560.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% 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 256 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 |
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