Bergen County and Ramsey Borough property record for 16 Monroe St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,876 sqft · built 1955 |
| Lot Size | 0.373 acres (16,248 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $599,900 (Oct 2017) |
| Tax Bill | $15,004 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01504-0000-00015 |
| Primary APN | 48-01504-0000-00015 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,876 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Frame |
| Lot Area | 16,248 sqft (0.373 acres) |
| Lot Dimensions | 125 ft deep x 130 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 16 MONROE ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.373AC |
| Legal Block | 1504 |
| Legal Lot Number | 15 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 44202 |
16 Monroe St is owned and occupied by two individuals who bought it in October 2017.
Source: Bergen County and Ramsey Borough records, as of September 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 MONROE ST, RAMSEY, NJ 07446-1450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2026 | Deed of Trust, Mortgage · Line of Credit AFFINITY FEDERAL CREDIT UNION |
| Oct 27, 2017 | Grant Deed, Transfer · Conventional Mortgage ATLANTIC HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2017 · Amount on File |
| Deed Sale | Oct 27, 2017 · Amount on File |
| Prior Sale | Jul 15, 1992 · Amount on File |
| Deed Document Number | 201717-081546 |
| Deed Book / Page | 2768 / 1767 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 24, 2026 |
| Property Address | 16 MONROE ST, RAMSEY, NJ 07446-1450 |
| Document Number | 0000058261 |
| Book / Page | 5881 / 672 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 202658261 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 16 MONROE ST, RAMSEY, NJ 07446-1450 |
| Document Number | 0000058261, |
|---|---|
| Date | Aug 24, 2026 |
| Book Page | 5881/672 |
| Instrument | 202658261 |
| Name | AFFINITY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 7, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 27, 2017 |
| Property Address | 16 MONROE ST, RAMSEY, NJ 07446-1450 |
| Document Number | 0027681767 |
| Book / Page | 002768 / 001767 |
| Instrument Date | Oct 20, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $599.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16 MONROE ST RAMSEY NJ 074461450, RAMSEY, NJ 07446-1450 |
| Document Number | 27681774 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 002768/001774 |
| Name | ATLANTIC HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 26, 2047 |
The 2025 property tax bill for 16 Monroe St was $15,004, up 2% 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 | $732,200 (+0.48%) Land $352,000 Building $380,200 | $732,200 (+0.48%) Land $352,000 Building $380,200 | |
| 2025 | $15,004.00 (+1.96%) | $728,700 Land $352,000 Building $376,700 | $728,700 Land $352,000 Building $376,700 |
| 2024 | $14,716.00 | ||
| 2023 | $521,500 Land $276,700 Building $244,800 | $521,500 Land $276,700 Building $244,800 | |
| 2022 | $13,678.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Monroe St in Zone X, an area of minimal flood risk, within 500 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1979–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 1984 · 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 16 Monroe 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 83% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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