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15 Spruce Run, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 15 Spruce Run, Ramsey, NJ 07446

Property Summary

Property TypeSingle Family Home
Details2,546 sqft · built 1983
Lot Size0.025 acres (1,083 sqft)
OwnerIndividual Name on File
Last Sale$545,000 (Jan 2019)
Tax Bill$14,726 (2025)
Deeds & MortgagesJan 2019 Sale
Flood ZoneZone X (minimal risk)
APN48-04905-0000-00042-0000-C0015

Property Details

APN / Parcel Number

Primary APN48-04905-0000-00042-0000-C0015
Alternative APN
  • 4804905000000042C0015

Interior

Stories2 Stories
Building Area2,546 sqft Living Area

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Architectural StyleCondo/Apartment
Construction TypeFrame
Lot Area1,083 sqft (0.025 acres)
Parking Spaces1 Parking Space

Location & Zoning

Street Address15 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

15 Spruce Run is owned and occupied by an individual who bought it in January 2019.

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

Owner of RecordIndividual Name on File
Mailing Address15 SPRUCE RUN, RAMSEY, NJ 07446-2557
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 24, 2019 · Amount on File
Deed SaleJan 24, 2019 · Amount on File
Prior SaleDec 12, 2001 · Amount on File
Deed Document Number2019582001
Deed Book / Page3163 / 5
Prior Transfer DateOct 16, 2001
Prior Transfer Doc8427000888
Record UpdatedSep 20, 2026

January 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBERGEN NJ
Recording DateJan 24, 2019
Property Address15 SPRUCE RUN, RAMSEY, NJ 07446-2557
Document Number0031630005
Book / Page003163 / 000005
Instrument DateJan 18, 2019
Instrument5820
Transaction TypeTransfer
Record UpdatedFeb 1, 2019
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

AmountAmount on Record
Tax$545.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address15 SPRUCE RUN 15 #C RAMSEY NJ 07446, C, RAMSEY, NJ 07446

Tax Assessment & Valuation

The 2025 property tax bill for 15 Spruce Run was $14,726, down 4% from the year before.

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$714,800 (-0.06%) Land $205,000 Building $509,800$714,800 (-0.06%) Land $205,000 Building $509,800
2025$14,726.00 (-4.02%)$715,200 Land $200,000 Building $515,200$715,200 Land $200,000 Building $515,200
2024$15,343.00
2023$543,700 Land $190,000 Building $353,700$543,700 Land $190,000 Building $353,700
2022$14,261.00

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

Flood

FEMA maps place 15 Spruce Run in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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

Wildfire risk around 15 Spruce Run 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 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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