166 Grove St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 166 Grove St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,028 sqft · built 1964
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Nov 2020)
Tax Bill	$13,563 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-01503-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`48-01503-0000-00026`
Alternative APN	`480150300026`

Interior

Stories	1 Story
Building Area	2,028 sqft Living Area
1st Floor Area	2,028 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	166 GROVE ST
City	RAMSEY
State	NJ
Zip	07446-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.258AC
Legal Block	1503
Legal Lot Number	26
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1006
Census Tract	44100

Owner

166 Grove St is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	166 GROVE ST, RAMSEY, NJ 07446-1313
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 16, 2020	Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	Nov 13, 2014 · Amount on File
Deed Document Number	2020118984
Deed Book / Page	3817 / 1517
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	166 GROVE ST, RAMSEY, NJ 07446-1313
Transaction Type	Mortgage
Record Updated	Jan 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044781247
Date	Dec 3, 2021
Book Page	4478/1247
Instrument	2021176360

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2051

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 16, 2020
Property Address	166 GROVE ST, RAMSEY, NJ 07446-1313
Document Number	0038171517
Book / Page	3817 / 1517
Instrument Date	Sep 17, 2020
Instrument	20-118984
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 GROVE ST, 166, RAMSEY, NJ 07446-1313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 GROVE ST, RAMSEY, NJ 07446-1313
Investor	Possibly a Property Investor

Mortgage

Document Number	20118985
Date	Nov 16, 2020
Instrument	20-118985

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 166 Grove St was $13,563, down 3.5% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$686,200 (+4.17%) Land $415,500 Building $270,700	$686,200 (+4.17%) Land $415,500 Building $270,700
2025	$13,563.00 (-3.49%)	$658,700 Land $390,500 Building $268,200	$658,700 Land $390,500 Building $268,200
2024	$14,053.00
2023		$498,000 Land $287,900 Building $210,100	$498,000 Land $287,900 Building $210,100
2022	$13,062.00

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

Flood

FEMA maps place 166 Grove St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 166 Grove 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	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: T-Mobile.

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