Bergen County and Ramsey Borough property record for 140 Prospect St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,582 sqft · built 1905 |
| Lot Size | 0.44 acres (19,175 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $529,000 (Jul 2014) |
| Tax Bill | $18,340 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04906-0000-00002 |
| Primary APN | 48-04906-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,582 sqft Living Area |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Construction Type | Frame |
| Lot Area | 19,175 sqft (0.44 acres) |
| Lot Dimensions | 234 ft deep x 105 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 140 PROSPECT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | .4402 AC |
| Legal Block | 4906 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 44201 |
140 Prospect St is owned and occupied by two individuals who bought it in July 2014.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 140 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| 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 |
|---|---|
| Jan 12, 2023 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Feb 12, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2014 · Amount on File |
| Deed Sale | Jul 15, 2014 · Amount on File |
| Prior Sale | May 23, 2007 · Amount on File |
| Deed Document Number | 201445596 |
| Deed Book / Page | 1707 / 727 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 140 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 140 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| Document Number | 0049041222 |
|---|---|
| Date | Jan 12, 2023 |
| Book Page | 4904/1222 |
| Instrument | 2023003751 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.09% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 140 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035011933 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 3501/1933 |
| Instrument | 2020016946 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
The 2025 property tax bill for 140 Prospect St was $18,340, up 12.5% 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 | $886,800 (-0.44%) Land $332,000 Building $554,800 | $886,800 (-0.44%) Land $332,000 Building $554,800 | |
| 2025 | $18,340.00 (+12.54%) | $890,700 Land $332,000 Building $558,700 | $890,700 Land $332,000 Building $558,700 |
| 2024 | $16,297.00 | ||
| 2023 | $554,100 Land $230,000 Building $324,100 | $554,100 Land $230,000 Building $324,100 | |
| 2022 | $14,534.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 140 Prospect St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1983.
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 | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 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 risk around 140 Prospect St 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 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 267 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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