Bergen County and Ramsey Borough property record for 140 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,306 sqft · built 1953 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $557,000 (Sep 2021) |
| Tax Bill | $13,297 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Sep 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01902-0000-00017 |
| Primary APN | 48-01902-0000-00017 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,306 sqft Living Area |
| 1st Floor Area | 1,306 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 140 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.215AC |
| Legal Block | 1902 |
| Legal Lot Number | 17 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 140 ELBERT ST, RAMSEY, NJ 07446-1406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA |
| Sep 27, 2021 | Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Feb 25, 2021 | Deed of Trust, Mortgage · Line of Credit VAST BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2021 · Amount on Record |
| Deed Sale | Sep 27, 2021 · Amount on Record |
| Prior Sale | Jul 31, 2004 · Amount on Record |
| Deed Document Number | 2021150124 |
| Deed Book / Page | 4392 / 1948 |
| Prior Transfer Date | Mar 26, 1998 |
| Prior Transfer Doc | 0000045758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 140 ELBERT ST, RAMSEY, NJ 07446-1406 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0046111914 |
|---|---|
| Date | Mar 9, 2022 |
| Book Page | 4611/1914 |
| Instrument | 2022029424 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 27, 2021 |
| Property Address | 140 ELBERT ST, RAMSEY, NJ 07446-1406 |
| Document Number | 0043921948 |
| Book / Page | 4392 / 1948 |
| Instrument Date | Sep 8, 2021 |
| Instrument | 2021150124 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,177.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 140 ELBERT ST, 140, RAMSEY, NJ 07446-1406 |
| Name | Verified Name |
|---|---|
| Address | 140 ELBERT ST, RAMSEY, NJ 07446-1406 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 140 ELBERT ST, RAMSEY, NJ 07446-1406 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 140 ELBERT ST, RAMSEY, NJ 07446-1406 |
| Document Number | 0039780010 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 3978/10 |
| Instrument | 2021025671 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $673,400 (+4.27%) Land $382,300 Building $291,100 | $673,400 (+4.27%) Land $382,300 Building $291,100 | |
| 2025 | $13,297.00 (-4.01%) | $645,800 (+31.55%) Land $357,300 Building $288,500 | $645,800 (+31.55%) Land $357,300 Building $288,500 |
| 2024 | $13,853.00 (+7.59%) | ||
| 2023 | $490,900 Land $291,100 Building $199,800 | $490,900 Land $291,100 Building $199,800 | |
| 2022 | $12,876.00 |
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 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 |
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 94% of the US · lower than 85% 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 256 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 |
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