Bergen County and Ramsey Borough property record for 127 E Oak St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,716 sqft · built 1972 |
| Lot Size | 0.419 acres (18,252 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $597,500 (Sep 2019) |
| Tax Bill | $14,232 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Sep 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 48-03303-0000-00001 |
| Primary APN | 48-03303-0000-00001 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,716 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Frame |
| Lot Area | 18,252 sqft (0.419 acres) |
| Street Address | 127 E OAK ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.419AC |
| Legal Subdivision | OAK BROOK ESTATES |
| Legal Block | 3303 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough records, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 127 E OAK ST, RAMSEY, NJ 07446-2458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PINNACLE MORTGAGE INC |
| Sep 25, 2019 | Deed, Transfer · Stand-Alone First Mortgage PINNACLE MORTGAGE GROUP INC |
| Jun 5, 2018 | Deed, Transfer |
| Dec 29, 2017 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2019 · Amount on Record |
| Deed Sale | Sep 25, 2019 · Amount on Record |
| Prior Sale | Jun 5, 2018 · Amount on Record |
| Deed Document Number | 201963533 |
| Deed Book / Page | 3358 / 1442 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 127 E OAK ST, RAMSEY, NJ 07446-2458 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0038841304 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 3884/1304 |
| Instrument | 20-139119 |
| Name | PINNACLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | EAST HANOVER, NJ 07936 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 25, 2019 |
| Property Address | 127 E OAK ST, RAMSEY, NJ 07446-2458 |
| Document Number | 0033581442 |
| Book / Page | 3358 / 1442 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 19-063533 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 E OAK ST, RAMSEY, NJ 07446-2458 |
| Document Number | 1906353301 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 19-063533.01 |
| Name | PINNACLE MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0033581442 |
|---|---|
| Date | Sep 25, 2019 |
| Book Page | 3358/1442 |
| Instrument | 19-063533 |
| Name | PINNACLE MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 5, 2018 |
| Property Address | 127 E OAK ST, RAMSEY, NJ 07446-2458 |
| Document Number | 0029571150 |
| Book / Page | 2957 / 1150 |
| Instrument Date | May 17, 2018 |
| Instrument | 00018-039062 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 E OAK ST, RAMSEY, NJ 07446-2458 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 127 E OAK ST, RAMSEY, NJ 07446-2458 |
| Document Number | 0028420819 |
| Book / Page | 002842 / 000819 |
| Instrument Date | Dec 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2018 |
| Name | Verified Name |
|---|---|
| Address | 127 E OAK ST RAMSEY NJ 074462458, RAMSEY, NJ 07446-2458 |
| Document Number | 0028420819 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 002842/000819 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
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 | $715,300 (+3.49%) Land $405,400 Building $309,900 | $715,300 (+3.49%) Land $405,400 Building $309,900 | |
| 2025 | $14,232.00 (-1.69%) | $691,200 (+34.74%) Land $380,400 Building $310,800 | $691,200 (+34.74%) Land $380,400 Building $310,800 |
| 2024 | $14,476.00 (+7.59%) | ||
| 2023 | $513,000 Land $279,000 Building $234,000 | $513,000 Land $279,000 Building $234,000 | |
| 2022 | $13,455.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 96% of the US · lower than 89% 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 283 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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