Bergen County and Ramsey Borough property record for 18 W Cedar Pl, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,036 sqft · built 1925 |
| Lot Size | 0.336 acres (14,636 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,000 (Jan 2018) |
| Tax Bill | $10,884 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03101-0000-00046 |
| Primary APN | 48-03101-0000-00046 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,036 sqft Living Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Construction Type | Frame |
| Lot Area | 14,636 sqft (0.336 acres) |
| Lot Dimensions | 195 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 18 W CEDAR PL |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.336AC |
| Legal Block | 3101 |
| Legal Lot Number | 46 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 44100 |
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 W CEDAR PL, RAMSEY, NJ 07446-2204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jan 16, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2018 · Amount on Record |
| Deed Sale | Jan 16, 2018 · Amount on Record |
| Deed Document Number | 201818-003447 |
| Deed Book / Page | 2836 / 183 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 18 W CEDAR PL, RAMSEY, NJ 07446-2204 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044730179 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 4473/179 |
| Instrument | 2021174703 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 18 W CEDAR PL, RAMSEY, NJ 07446-2204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037980442 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 3798/442 |
| Instrument | 20-112760 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 16, 2018 |
| Property Address | 18 W CEDAR PL, RAMSEY, NJ 07446-2204 |
| Document Number | 0028360183 |
| Book / Page | 2836 / 183 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 00018-003447 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 W CEDAR PL, RAMSEY, NJ 07446-2204 |
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 | $530,700 (+0.4%) Land $299,200 Building $231,500 | $530,700 (+0.4%) Land $299,200 Building $231,500 | |
| 2025 | $10,884.00 (-12.4%) | $528,600 (+20.05%) Land $299,200 Building $229,400 | $528,600 (+20.05%) Land $299,200 Building $229,400 |
| 2024 | $12,425.00 (+7.59%) | ||
| 2023 | $440,300 Land $299,800 Building $140,500 | $440,300 Land $299,800 Building $140,500 | |
| 2022 | $11,549.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1980 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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