Bergen County and Ramsey Borough property record for 19 Spear Rd, Ramsey, NJ 07446
| Property Type | Commercial |
|---|---|
| Lot Size | 3.27 acres (142,572 sqft) |
| Owner | Company Name on Record |
| Last Sale | $9,862,510 (Aug 2018) |
| Tax Bill | $71,581 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Aug 2018 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 48-04702-0000-00005-04 |
| Primary APN | 48-04702-0000-00005-04 |
|---|---|
| Alternative APN |
|
| Units | 57 Units |
|---|
| Lot Area | 142,572 sqft (3.27 acres) |
|---|
| Old Parcel Number | 48047020000000054 |
|---|---|
| Street Address | 19 SPEAR RD |
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1235 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | 3.273AC |
| Legal Block | 4702 |
| Legal Lot Number | 5.04 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 44202 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 1000A LAKE ST, RAMSEY, NJ 07446-1284 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 28, 2020 | Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC FIRST BANK |
| Aug 9, 2018 | Grant Deed, Construction Loan · Line of Credit BANKUNITED FSB |
| Mar 16, 2017 | Deed of Trust, Mortgage LAKELAND BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2018 · Amount on Record |
| Deed Sale | Aug 9, 2018 · Amount on Record |
| Deed Document Number | 20185720101 |
| Deed Book / Page | 3023 / 415 |
| Prior Transfer Date | Jun 13, 2018 |
| Prior Transfer Doc | 0005720101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 19 SPEAR RD, RAMSEY, NJ 07446-1235 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0034771013 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 3477/1013 |
| Instrument | 20-008617 |
| Name | REPUBLIC FIRST BANK |
|---|---|
| Type | Bank |
| Address | PHILADELPHIA, PA 19102 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 9, 2018 |
| Property Address | 19 SPEAR RD, RAMSEY, NJ 07446-1235 |
| Document Number | 0030230425 |
| Book / Page | 003023 / 000425 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 57201 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 14, 2020 |
| Title Company | MEISTER ABSTRACT CORPORATION, MEISTER ABSTRACT CORP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 184 S LIVINGSTON AVE #132 LIVINGSTON NJ 070393014, 132, LIVINGSTON, NJ 07039-3014 |
| Document Number | 30230425 |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | 003023/000425 |
| Instrument | 57201 |
| Name | BANKUNITED FSB |
|---|---|
| Type | Federal Savings Bank |
| Address | 14817 OAK LN, MIAMI LAKES, FL 33016-1517 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 19 SPEAR RD, RAMSEY, NJ 07446-1235 |
| Document Number | 0025680806 |
| Book / Page | 002568 / 000806 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2017 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 500 LAKE ST #A RAMSEY NJ 07446, A, RAMSEY, NJ 07446 |
| Document Number | 0025680806 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 002568/000806 |
| Name | LAKELAND BK |
|---|---|
| Type | Bank |
| Address | 250 OAK RIDGE RD, OAK RIDGE, NJ 07438-8906 |
| Amount | Amount Recorded |
|---|
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 | $3,490,600 (+0.41%) Land $1,841,000 Building $1,649,600 | $3,490,600 (+0.41%) Land $1,841,000 Building $1,649,600 | |
| 2025 | $71,581.00 (+15.93%) | $3,476,500 (+58.9%) Land $1,802,700 Building $1,673,800 | $3,476,500 (+58.9%) Land $1,802,700 Building $1,673,800 |
| 2024 | $61,743.00 (+7.59%) | ||
| 2023 | $2,187,900 Land $1,225,800 Building $962,100 | $2,187,900 Land $1,225,800 Building $962,100 | |
| 2022 | $57,388.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 9 (1990–2021) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 98% of the US · lower than 94% 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.
Source: FCC Broadband Data Collection, based on 207 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures