128 Elbert St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 128 Elbert St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,290 sqft · built 1938
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$833,000 (Aug 2023)
Tax Bill	$16,048 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-01902-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`48-01902-0000-00009`
Alternative APN	`480190200009`

Interior

Stories	2 Stories
Building Area	2,290 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	145 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	128 ELBERT ST
City	RAMSEY
State	NJ
Zip	07446-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.250AC
Legal Block	1902
Legal Lot Number	9
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1018
Census Tract	44100

Owner

Source: Bergen County and Ramsey Borough records · APN 48-01902-0000-00009

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	128 ELBERT ST, RAMSEY, NJ 07446-1404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 07, 2023 · Amount on Record
Deed Sale	Aug 07, 2023 · Amount on Record
Deed Document Number	202351488
Deed Book / Page	5053 / 1853
Record Updated	Sep 20, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 07, 2023
Property Address	128 ELBERT ST, RAMSEY, NJ 07446-1404
Document Number	0050531853
Book / Page	5053 / 1853
Instrument Date	Jul 21, 2023
Instrument	2023051488
Transaction Type	Transfer
Record Updated	Sep 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,639.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 LITTLE RIVER FARM RD, STOWE, VT 05672

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 ELBERT ST, RAMSEY, NJ 07446-1404

Mortgage

Document Number	2023051489
Date	Aug 07, 2023
Instrument	2023051489

Lender

Name	UNIVERSAL FINANCIAL MORTGAGE GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2053

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		$808,200 (+3.7%) Land $387,500 Building $420,700	$808,200 (+3.7%) Land $387,500 Building $420,700
2025	$16,048.00 (-2.74%)	$779,400 (+33.3%) Land $362,500 Building $416,900	$779,400 (+33.3%) Land $362,500 Building $416,900
2024	$16,500.00 (+7.59%)
2023		$584,700 (-) Land $293,800 Building $290,900	$584,700 (-) Land $293,800 Building $290,900
2022	$15,336.00 (+1.15%)	$584,700 Land $293,800 Building $290,900	$584,700 Land $293,800 Building $290,900
2021	$15,161.00

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 A, within 500 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

Wildfire

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 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
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 256 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.