18 Roy Pl, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 18 Roy Pl, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	4,623 sqft · built 1971
Lot Size	1.51 acres (66,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,210,000 (Jun 2015)
Tax Bill	$33,261 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-01602-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`48-01602-0000-00019`
Alternative APN	`480160200019`

Interior

Stories	2 Stories
Building Area	4,623 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Lot Area	66,211 sqft
Lot Dimensions	323 ft deep x 176 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	18 ROY PL
City	RAMSEY
State	NJ
Zip	07446-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.520AC
Legal Subdivision	SOCIETY BILL
Legal Block	1602
Legal Lot Number	19
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1016
Census Tract	44100

Owner

Source: Bergen County and Ramsey Borough records, as of June 29, 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 Record
Mailing Address	18 ROY PL, RAMSEY, NJ 07446-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 16, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA
Dec 19, 2016	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2015 · Amount on Record
Deed Sale	Jun 15, 2015 · Amount on Record
Prior Sale	Dec 15, 2003 · Amount on Record
Deed Document Number	201543474
Deed Book / Page	1966 / 243
Prior Transfer Date	Jun 17, 1998
Prior Transfer Doc	0000092619
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	18 ROY PL, RAMSEY, NJ 07446-1319
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1B ROY PL, RAMSEY, NJ 07446-1319

Mortgage

Document Number	0056370045
Date	Nov 5, 2025
Book Page	5637/45
Instrument	2025074767

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	18 ROY PL, RAMSEY, NJ 07446-1319
Document Number	0031260794
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ROY PL RAMSEY NJ 074461319, RAMSEY, NJ 07446-1319

Mortgage

Document Number	0031260794
Date	Dec 7, 2018
Book Page	003126/000794
Instrument	86348

Lender

Name	CITIZENS BK/PA
Type	Bank
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 6, 2043

Interest

Rate Type	Adjustable Rate

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	18 ROY PL, RAMSEY, NJ 07446-1319
Document Number	0025092031
Book / Page	002509 / 002031
Instrument Date	Dec 19, 2016
Transaction Type	Mortgage
Record Updated	Jan 26, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ROY PL RAMSEY NJ 074461319, RAMSEY, NJ 07446-1319

Mortgage

Document Number	0025092031
Date	Jan 19, 2017
Book Page	002509/002031

Lender

Name	CITIZENS BK/PA
Type	Bank
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 18, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$1,641,900 (+1.64%) Land $384,200 Building $1,257,700	$1,641,900 (+1.64%) Land $384,200 Building $1,257,700
2025	$33,261.00 (-10.42%)	$1,615,400 (+27.31%) Land $369,200 Building $1,246,200	$1,615,400 (+27.31%) Land $369,200 Building $1,246,200
2024	$37,131.00 (+12%)
2023		$1,268,900 Land $307,000 Building $961,900	$1,268,900 Land $307,000 Building $961,900
2022	$33,152.00

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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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