Bergen County and Ramsey Borough property record for 19 Candlelight Rd, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 4,840 sqft · built 2002 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,400,000 (Oct 2022) |
| Tax Bill | $35,112 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Jun 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01201-0000-00007-04 |
| Primary APN | 48-01201-0000-00007-04 |
|---|---|
| Alternative APN |
|
| Building Area | 4,840 sqft Living Area |
|---|
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 45,738 sqft (1.05 acres) |
| Street Address | 19 CANDLELIGHT RD |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.050AC |
| Legal Subdivision | CANDELIGHT EXT |
| Legal Block | 1201 |
| Legal Lot Number | 7.04 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 44100 |
19 Candlelight Rd is owned and occupied by two individuals who bought it in October 2022.
Source: Bergen County and Ramsey Borough records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA |
| Jun 12, 2023 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Oct 31, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Apr 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE |
| Nov 20, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2022 · Amount on File |
| Deed Sale | Oct 31, 2022 · Amount on File |
| Prior Sale | Aug 9, 2002 · Amount on File |
| Deed Document Number | 2022104489 |
| Deed Book / Page | 4849 / 1924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0056681513 |
|---|---|
| Date | Dec 6, 2025 |
| Book Page | 5668/1513 |
| Instrument | 2025084382 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Nov 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Document Number | 0050130471 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 5013/471 |
| Instrument | 2023038586 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 31, 2022 |
| Property Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Document Number | 0048491924 |
| Book / Page | 4849 / 1924 |
| Instrument Date | Oct 4, 2022 |
| Instrument | 2022104489 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2022 |
| Title Company | ATLANTIC TITLE AND ESCROW SERVICES L, ATLANTIC TTL & STLMT SVC LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,395.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 301 WAGARAW RD, 301, HAWTHORNE, NJ 07506-1411 |
| Name | Verified Name |
|---|---|
| Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Document Number | 2022104490 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 2022104490 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040630967 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 4063/967 |
| Instrument | 2021052030 |
| Name | MLD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FLORHAM PARK, NJ 07932 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031112120 |
|---|---|
| Date | Nov 20, 2018 |
| Book Page | 3111/2120 |
| Instrument | 18-082133 |
| Name | BETTER MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 19 Candlelight Rd was $35,112, down 4.7% from the year before.
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 | $1,700,300 (-0.29%) Land $459,100 Building $1,241,200 | $1,700,300 (-0.29%) Land $459,100 Building $1,241,200 | |
| 2025 | $35,112.00 (-4.66%) | $1,705,300 Land $459,100 Building $1,246,200 | $1,705,300 Land $459,100 Building $1,246,200 |
| 2024 | $36,827.00 | ||
| 2023 | $1,305,000 Land $349,300 Building $955,700 | $1,305,000 Land $349,300 Building $955,700 | |
| 2022 | $34,230.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19 Candlelight Rd 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 risk around 19 Candlelight Rd is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 | MAHWAH WATER DEPARTMENT serves 26,777 people · EPA ID NJ0233001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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