Bergen County and Ramsey Borough property record for 135 E Oak St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,870 sqft · built 1971 |
| Lot Size | 0.388 acres (16,901 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $475,000 (Aug 2009) |
| Tax Bill | $12,916 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 48-03303-0000-00028 |
| Primary APN | 48-03303-0000-00028 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,870 sqft Living Area |
| 1st Floor Area | 1,870 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Construction Type | Frame |
| Lot Area | 16,901 sqft (0.388 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 135 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 | 0.388AC |
| Legal Subdivision | OAK BROOK ESTATES |
| Legal Block | 3303 |
| Legal Lot Number | 28 |
| 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 | 135 E OAK ST, RAMSEY, NJ 07446-2458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VISIONS FCU |
| Jan 25, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2009 · Amount on Record |
| Deed Sale | Aug 26, 2009 · Amount on Record |
| Prior Sale | Aug 10, 2000 · Amount on Record |
| Deed Document Number | 20092231017 |
| Deed Book / Page | 223 / 1017 |
| Last Transfer Date | Sep 11, 2020 |
| Transfer Doc | 0039280633 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 135 E OAK ST, RAMSEY, NJ 07446-2458 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 135 E OAK ST, RAMSEY, NJ 07446-2458 |
| Document Number | 0049770875 |
|---|---|
| Date | Apr 21, 2023 |
| Book Page | 4977/875 |
| Instrument | 2023027153 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 14, 2038 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 25, 2021 |
| Property Address | 135 E OAK ST, RAMSEY, NJ 07446-2458 |
| Document Number | 0039280633 |
| Book / Page | 3928 / 633 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 21-010582 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | ALLSTATES TITLE SERVICE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 135 E OAK ST, RAMSEY, NJ 07446-2458 |
| Document Number | 0021010583 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 21-010583 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Oct 1, 2050 |
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 | $653,500 (+4.18%) Land $382,900 Building $270,600 | $653,500 (+4.18%) Land $382,900 Building $270,600 | |
| 2025 | $12,916.00 (-1.53%) | $627,300 (+34.96%) Land $359,200 Building $268,100 | $627,300 (+34.96%) Land $359,200 Building $268,100 |
| 2024 | $13,117.00 (+7.6%) | ||
| 2023 | $464,800 Land $263,500 Building $201,300 | $464,800 Land $263,500 Building $201,300 | |
| 2022 | $12,191.00 |
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 | Yes |
| 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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