Bergen County and Ramsey Borough property record for 15 Timber Trl, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,107 sqft · built 1968 |
| Lot Size | 1 acre (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,375,000 (Dec 2025) |
| Tax Bill | $24,348 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit Dec 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03002-0000-00050 |
| Primary APN | 48-03002-0000-00050 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,107 sqft Living Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Frame |
| Lot Area | 43,560 sqft |
| Lot Dimensions | 198 ft deep x 220 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 15 TIMBER TRL |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 1.000AC |
| Legal Subdivision | WHITE OAK ESTATES SEC II |
| Legal Block | 3002 |
| Legal Lot Number | 50 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 44100 |
15 Timber Trl is owned and occupied by two individuals who bought it in December 2025.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| Feb 23, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 29, 2025 | Deed, Transfer · Conventional Mortgage 1ST PRIORITY MORTGAGE INC |
| Aug 13, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jan 26, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2025 · Amount on File |
| Deed Sale | Dec 29, 2025 · Amount on File |
| Prior Sale | Aug 13, 2021 · Amount on File |
| Deed Document Number | 202590653 |
| Deed Book / Page | 5689 / 312 |
| Prior Transfer Date | Mar 17, 2014 |
| Prior Transfer Doc | 0016370206 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 15 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 0039690657 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 3969/657 |
| Instrument | 2021023005 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | Dec 20, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 29, 2025 |
| Property Address | 15 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 0056890312 |
| Book / Page | 5689 / 312 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 2025090653 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,862.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 44 BUKER WAY, NEW LONDON, NH 03257-5923 |
| Name | Verified Name |
|---|---|
| Address | 15 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 2025090654 |
|---|---|
| Date | Dec 29, 2025 |
| Instrument | 2025090654 |
| Name | 1ST PRIORITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 13, 2021 |
| Property Address | 15 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 0043290076 |
| Book / Page | 4329 / 76 |
| Instrument Date | Jul 1, 2021 |
| Instrument | 2021130706 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Title Company | NOT AVAILABLE, MULTIPLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20,127.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8 VAN GELDER CT, 8, RAMSEY, NJ 07446-2244 |
| Name | Verified Name |
|---|---|
| Address | 15 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 2021130707 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 2021130707 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 15 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 0028670917 |
| Instrument Date | Jan 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 15 TIMBER TRL RAMSEY NJ 074462124, RAMSEY, NJ 07446-2124 |
| Document Number | 0028670917 |
|---|---|
| Date | Feb 16, 2018 |
| Book Page | 002867/000917 |
| Name | CITIZENS BK/PA |
|---|---|
| Type | Bank |
| Address | PHILADELPHIA, PA 19103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 15, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 15 Timber Trl was $24,348, up 5.6% 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 | $1,180,900 (-0.14%) Land $457,600 Building $723,300 | $1,180,900 (-0.14%) Land $457,600 Building $723,300 | |
| 2025 | $24,348.00 (+5.59%) | $1,182,500 Land $457,600 Building $724,900 | $1,182,500 Land $457,600 Building $724,900 |
| 2024 | $23,059.00 | ||
| 2023 | $817,100 Land $348,000 Building $469,100 | $817,100 Land $348,000 Building $469,100 | |
| 2022 | $21,432.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Timber Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.
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 Claims | 1 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1980 · tidal / storm surge |
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 15 Timber Trl is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 143 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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