18 Elbert St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 18 Elbert St, Ramsey, NJ 07446 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 1971
Square Footage	1,740 sqft Living Area
Lot Size	12,589 sqft (0.289 acres)
Occupancy	Owner Occupied
Tax Bill	$11,681.00 (2025)

Owner

Source: Bergen County and Ramsey Borough records · APN 48-02301-0000-00011

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 Record	2 Individual Names on File
Mailing Address	18 ELBERT ST, RAMSEY, NJ 07446-1802
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	18 ELBERT ST, RAMSEY, NJ 07446-1802
Transaction Type	Mortgage
Record Updated	Jan 12, 2023
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ELBERT ST, RAMSEY, NJ 07446-1802

Mortgage

Document Number	0048851990
Date	Dec 20, 2022
Book Page	4885/1990
Instrument	2022115715

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.24%
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$594,600 (+4.81%) Land $343,400 Building $251,200	$594,600 (+4.81%) Land $343,400 Building $251,200
2025	$11,681.00 (-12.07%)	$567,300 (+20.5%) Land $318,400 Building $248,900	$567,300 (+20.5%) Land $318,400 Building $248,900
2024	$13,285.00 (+7.58%)
2023		$470,800 Land $271,700 Building $199,100	$470,800 Land $271,700 Building $199,100
2022	$12,349.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`48-02301-0000-00011`
Alternative APN	`480230100011`

Interior

Building Area	1,740 sqft Living Area
1st Floor	1,740 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame Construction
Lot Area	12,589 sqft (0.289 acres)
Depth X Width	168 ft x 75 ft Depth x Width
Parking Spaces	1 Parking Spaces

Location & Zoning

Street Address	18 ELBERT ST
City	RAMSEY
State	NJ
Zip	07446-1802
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	0.289AC
Legal Block	2301
Legal Lot Number	11
Jurisdiction	BERGEN NJ
Minor Civil Division	RAMSEY
Census Blockgroup	2
Census Block	2002
Census Tract	44100