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174 Elbert St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 174 Elbert St, Ramsey, NJ 07446 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2,665 sqft · built 1951
Lot Size0.344 acres (14,985 sqft)
Owner2 Individual Names on File
Last Sale$981,000 (Jul 2024)
Tax Bill$18,471 (2025)
Deeds & MortgagesJan 2023 Line of Credit
Jan 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN48-01901-0000-00002

Property Details

APN / Parcel Number

Primary APN48-01901-0000-00002
Alternative APN
  • 480190100002

Interior

Stories2 Stories
Building Area2,665 sqft Living Area

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Construction TypeFrame
Lot Area14,985 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
Parking Spaces1 Parking Space

Location & Zoning

Street Address174 ELBERT ST
CityRAMSEY
StateNJ
Zip07446-1407
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description0.344AC
Legal SubdivisionBOROUGH/RAMSEY
Legal Block1901
Legal Lot Number2
JurisdictionBERGEN NJ
Township / Civil DivisionRAMSEY
Census Block Group1
Census Block1013
Census Tract44100

Owner

Source: Bergen County and Ramsey Borough records · APN 48-01901-0000-00002

Assessment roll updated June 29, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address174 ELBERT ST, RAMSEY, NJ 07446-1407
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2023Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Jan 11, 2022Deed of Trust, Mortgage · Conventional Mortgage
COLUMBIA BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 24, 2024 · Amount on Record
Deed SaleJul 24, 2024 · Amount on Record
Prior SaleNov 12, 2009 · Amount on Record
Deed Document Number202444093
Deed Book / Page5287 / 12
Record UpdatedSep 20, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address174 ELBERT ST, RAMSEY, NJ 07446-1407
Transaction TypeMortgage
Record UpdatedFeb 20, 2023
Title CompanyTITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0049110003
DateJan 20, 2023
Book Page4911/3
Instrument2023005609
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 03, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address174 ELBERT ST, RAMSEY, NJ 07446-1407
Transaction TypeMortgage
Record UpdatedMar 07, 2022
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0045290461
DateJan 11, 2022
Book Page4529/461
Instrument2022004125
Lender
NameCOLUMBIA BANK
TypeBank
AddressFAIR LAWN, NJ 07410
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2052

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityRamsey Borough
Unified School DistrictRamsey Borough School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$926,900 (+3.32%) Land $399,800 Building $527,100$926,900 (+3.32%) Land $399,800 Building $527,100
2025$18,471.00 (-2.47%)$897,100 (+54.51%) Land $374,800 Building $522,300$897,100 (+54.51%) Land $374,800 Building $522,300
2024$18,938.00 (+24.35%)
2023$580,600 Land $300,200 Building $280,400$580,600 Land $300,200 Building $280,400
2022$15,229.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030441001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 14 individual NFIP policies nearby
Nearby Flood Policies14 in force
Nearby Flood Claims1 (2011)
Most Recent ClaimMar 2011, rainfall accumulation

Wildfire

Wildfire RiskLow
above 5% of the US · above 14% of New Jersey
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 256 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Optimum CommunicationsFiber8,000 / 8,000
VerizonFiber2,300 / 2,300
Optimum CommunicationsCable940 / 35
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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