Bergen County and Ramsey Borough property record for 130 Forest Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,256 sqft · built 1956 |
| Lot Size | 0.393 acres (17,119 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Jul 2007) |
| Tax Bill | $12,585 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Feb 2020 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03510-0000-00008 |
| Primary APN | 48-03510-0000-00008 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 1,256 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Frame |
| Lot Area | 17,119 sqft (0.393 acres) |
| Lot Dimensions | 150 ft deep x 114 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 130 FOREST AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.393AC |
| Legal Subdivision | FAIRLAWN PLEASANT COTTAGE SITE |
| Legal Block | 3510 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 44100 |
130 Forest Ave is owned and occupied by two individuals who bought it in July 2007.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 130 FOREST AVE, RAMSEY, NJ 07446-2709 |
| 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 |
|---|---|
| Oct 16, 2020 | Deed of Trust, Mortgage · Conventional with PMI HOME PT FIN'L |
| Feb 28, 2020 | Grant Deed, Construction Loan · Construction Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2007 · Amount on File |
| Deed Sale | Jul 26, 2007 · Amount on File |
| Deed Document Number | 200784817 |
| Deed Book / Page | 9366 / 168 |
| Prior Transfer Date | Jul 23, 2007 |
| Prior Transfer Doc | 0093660168 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 130 FOREST AVE, RAMSEY, NJ 07446-2709 |
| Document Number | 0038471431 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 130 FOREST AVE RAMSEY NJ 074462709, RAMSEY, NJ 07446-2709 |
| Document Number | 0038471431 |
|---|---|
| Date | Dec 3, 2020 |
| Book Page | 003847/001431 |
| Instrument | 127848 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 28, 2020 |
| Property Address | 130 FOREST AVE, RAMSEY, NJ 07446-2709 |
| Document Number | 0035231601 |
| Book / Page | 003523 / 001601 |
| Instrument Date | Jan 15, 2020 |
| Instrument | 20024034 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 24, 2020 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $449.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 25-27 KIPP ST FAIR LAWN NJ 074103202, FAIR LAWN, NJ 07410-3202 |
| Document Number | 35231607 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 003523/001607 |
| Instrument | 20024035 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 130 Forest Ave was $12,585, up 6.2% 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 | $613,000 (+0.29%) Land $418,500 Building $194,500 | $613,000 (+0.29%) Land $418,500 Building $194,500 | |
| 2025 | $12,585.00 (+6.2%) | $611,200 Land $418,500 Building $192,700 | $611,200 Land $418,500 Building $192,700 |
| 2024 | $11,850.00 | ||
| 2023 | $419,900 Land $277,700 Building $142,200 | $419,900 Land $277,700 Building $142,200 | |
| 2022 | $11,013.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 130 Forest Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1992.
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 | 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.
Wildfire risk around 130 Forest Ave 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 94% of the US · lower than 83% 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 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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