123 Maple St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 123 Maple St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	1,446 sqft · built 1930
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jan 2023)
Tax Bill	$12,154 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-02909-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`48-02909-0000-00011`
Alternative APN	`480290900011`

Interior

Stories	2 Stories
Building Area	1,446 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	123 MAPLE ST
City	RAMSEY
State	NJ
Zip	07446-2445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.161AC
Legal Block	2909
Legal Lot Number	11
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	3
Census Block	3009
Census Tract	44201

Owner

Source: Bergen County and Ramsey Borough records · APN 48-02909-0000-00011

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	2 Individual Names on File
Mailing Address	123 MAPLE ST, RAMSEY, NJ 07446-2445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 24, 2023 · Amount on Record
Deed Sale	Jan 24, 2023 · Amount on Record
Deed Document Number	20236725
Deed Book / Page	4914 / 703
Prior Transfer Date	Jul 27, 2012
Prior Transfer Doc	0011180987
Record Updated	Sep 20, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 24, 2023
Property Address	123 MAPLE ST, RAMSEY, NJ 07446-2445
Document Number	0049140703
Book / Page	4914 / 703
Instrument Date	Dec 15, 2022
Instrument	2023006725
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 CRESCENT RIDGE RD, MAHWAH, NJ 07430-1507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 MAPLE ST, RAMSEY, NJ 07446-2445

Mortgage

Document Number	2023006726
Date	Jan 24, 2023
Instrument	2023006726

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jan 01, 2033
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8%
Index	1-Year T-Bill
Max Rate	11%

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

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		$604,100 (+2.34%) Land $359,200 Building $244,900	$604,100 (+2.34%) Land $359,200 Building $244,900
2025	$12,154.00 (-2.53%)	$590,300 (+33.58%) Land $349,200 Building $241,100	$590,300 (+33.58%) Land $349,200 Building $241,100
2024	$12,470.00 (+7.58%)
2023		$441,900 Land $291,100 Building $150,800	$441,900 Land $291,100 Building $150,800
2022	$11,591.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	1 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 285 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	RAMSEY WATER DEPT serves 15,207 people
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

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.