Bergen County and Ramsey Borough property record for 123 Regency Park, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 637 sqft · built 1964 |
| Lot Size | 0.01 acres (445 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Sep 2018) |
| Tax Bill | $4,797 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04202-0000-00001-0000-C0123 |
| Primary APN | 48-04202-0000-00001-0000-C0123 |
|---|---|
| Alternative APN |
|
| Building Area | 637 sqft Living Area |
|---|
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Condo/Apartment |
| Lot Area | 445 sqft (0.01 acres) |
| Street Address | 123 REGENCY PARK |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | REGENCY PARK |
| Legal Block | 4202 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 44202 |
123 Regency Park is owned and occupied by an individual who bought it in September 2018.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 123 REGENCY PARK, RAMSEY, NJ 07446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 20, 2018 | Deed with Mortgage, Transfer · Conventional with PMI BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2018 · Amount on File |
| Deed Sale | Sep 20, 2018 · Amount on File |
| Prior Sale | Dec 9, 1996 · Amount on File |
| Deed Document Number | 201818-066932 |
| Deed Book / Page | 3057 / 1448 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 123 REGENCY PARK, RAMSEY, NJ 07446 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Title Company | SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0042081882 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 4208/1882 |
| Instrument | 2021094483 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 20, 2018 |
| Property Address | 123 REGENCY PARK, RAMSEY, NJ 07446 |
| Document Number | 0030571448 |
| Book / Page | 003057 / 001448 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 66932 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2018 |
| Title Company | SOVEREIGN TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 450 ISLAND RD #123 RAMSEY NJ 074461153, 123, RAMSEY, NJ 07446-1153 |
| Document Number | 30571453 |
|---|---|
| Date | Sep 20, 2018 |
| Book Page | 003057/001453 |
| Instrument | 66932 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 19, 2048 |
The 2025 property tax bill for 123 Regency Park was $4,797, down 6.3% 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 | $243,800 (+4.64%) Land $160,000 Building $83,800 | $243,800 (+4.64%) Land $160,000 Building $83,800 | |
| 2025 | $4,797.00 (-6.33%) | $233,000 Land $150,000 Building $83,000 | $233,000 Land $150,000 Building $83,000 |
| 2024 | $5,121.00 | ||
| 2023 | $181,500 Land $105,000 Building $76,500 | $181,500 Land $105,000 Building $76,500 | |
| 2022 | $4,760.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Regency Park in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2007 · 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 Regency Park 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 99.1% of the US · lower than 97.3% 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 114 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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