Bergen County and Ramsey Borough property record for 123 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,020 sqft · built 1939 |
| Lot Size | 1.07 acres (46,740 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $20,063 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01801-0000-00017 |
| Primary APN | 48-01801-0000-00017 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,020 sqft Living Area |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Construction Type | Frame |
| Lot Area | 46,740 sqft |
| Lot Dimensions | 275 ft deep x 170 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 123 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 1.073AC |
| Legal Block | 1801 |
| Legal Lot Number | 17 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 44100 |
123 Elbert St is owned and occupied by two individuals who acquired it in November 2020.
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 | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Oct 3, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Mar 5, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage INVESTORS BANK |
| Jan 27, 2021 | Intrafamily Transfer, Transfer |
| May 8, 2015 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 10, 2020 |
| Transfer Doc | 0039961606 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Document Number | 0056310632 |
|---|---|
| Date | Oct 27, 2025 |
| Book Page | 5631/632 |
| Instrument | 2025073089 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 7.62% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Document Number | 0050970088 |
|---|---|
| Date | Oct 3, 2023 |
| Book Page | 5097/88 |
| Instrument | 2023065037 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Sep 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 5, 2021 |
| Property Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Document Number | 0039961606 |
| Book / Page | 3996 / 1606 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 2021031114 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | MAX TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Document Number | 2021031115 |
|---|---|
| Date | Mar 5, 2021 |
| Instrument | 2021031115 |
| Name | INVESTORS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 27, 2021 |
| Property Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Document Number | 0039330717 |
| Book / Page | 3933 / 717 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 21-012119 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 123 ELBERT ST, RAMSEY, NJ 07446-1403 |
| Document Number | 0039110178 |
| Instrument Date | May 8, 2015 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 123 ELBERT ST RAMSEY NJ 074461403, RAMSEY, NJ 07446-1403 |
| Document Number | 0039110178 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 003911/000178 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 12, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
The 2025 property tax bill for 123 Elbert St was $20,063, up 15.7% 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 | $1,004,600 (+3.1%) Land $435,100 Building $569,500 | $1,004,600 (+3.1%) Land $435,100 Building $569,500 | |
| 2025 | $20,063.00 (+15.72%) | $974,400 Land $410,100 Building $564,300 | $974,400 Land $410,100 Building $564,300 |
| 2024 | $17,338.00 | ||
| 2023 | $614,400 Land $323,700 Building $290,700 | $614,400 Land $323,700 Building $290,700 | |
| 2022 | $16,115.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Elbert St in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 123 Elbert St 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 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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