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13 Spruce Run, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 13 Spruce Run, Ramsey, NJ 07446

Property Summary

Property TypeSingle Family Home
Details2,546 sqft · built 1983
Lot Size0.024 acres (1,026 sqft)
OwnerCompany Name on Record
Last Sale$711,000 (Aug 2022)
Tax Bill$13,089 (2025)
Deeds & MortgagesAug 2022 Sale
Flood ZoneZone X (minimal risk)
APN48-04905-0000-00042-0000-C0013

Property Details

APN / Parcel Number

Primary APN48-04905-0000-00042-0000-C0013
Alternative APN
  • 4804905000000042C0013

Interior

Stories2 Stories
Building Area2,546 sqft Living Area

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Architectural StyleCondo/Apartment
Construction TypeFrame
Lot Area1,026 sqft (0.024 acres)
Parking Spaces1 Parking Space

Location & Zoning

Street Address13 SPRUCE RUN
CityRAMSEY
StateNJ
Zip07446-2557
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionPROSPECT PARK
Legal Block4905
Legal Lot Number42
JurisdictionBERGEN NJ
Township / Civil DivisionRAMSEY
Census Block Group2
Census Block2003
Census Tract44201

Owner

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 RecordCompany Name on Record
Mailing Address1191 MIDDLE GULF DR, 3A, SANIBEL, FL 33957-6723
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 23, 2022 · Amount on Record
Deed SaleAug 23, 2022 · Amount on Record
Prior SaleDec 9, 2009 · Amount on Record
Deed Document Number202283554
Deed Book / Page4782 / 1298
Record UpdatedSep 20, 2026

August 2022: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionBERGEN NJ
Recording DateAug 23, 2022
Property Address13 SPRUCE RUN, RAMSEY, NJ 07446-2557
Document Number0047821298
Book / Page4782 / 1298
Instrument DateAug 1, 2022
Instrument2022083554
Transaction TypeTransfer
Record UpdatedSep 27, 2022
Title CompanyBUILDERS TITLE AGENCY INC

Transaction

AmountAmount Recorded
Tax$2,993.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address609 COOPER RD, 609, ATLANTIC HIGHLANDS, NJ 07716-2227

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipIrrevocable Trust
Address1191 MIDDLE GULF DR UNIT 3A, 3A, SANIBEL, FL 33957-6723

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityRamsey Borough
Unified School DistrictRamsey Borough School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$725,100 (+14.06%) Land $205,000 Building $520,100$725,100 (+14.06%) Land $205,000 Building $520,100
2025$13,089.00 (-3.43%)$635,700 (+32.35%) Land $200,000 Building $435,700$635,700 (+32.35%) Land $200,000 Building $435,700
2024$13,554.00 (+7.59%)
2023$480,300 Land $190,000 Building $290,300$480,300 Land $190,000 Building $290,300
2022$12,598.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 in force
Nearby Flood Claims6 (1983–2021)
Claims Outside the SFHA3 of 6
Most Recent ClaimSep 2021 · Remnants Of Hurricane Ida

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 85% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemRAMSEY WATER DEPT
serves 15,207 people · EPA ID NJ0248001
Water SourcePurchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK
Last State InspectionFeb 2026
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 267 locations within half a mile, as of December 31, 2025

ProviderMax 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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