Bergen County and Ramsey Borough property record for 19 White Ter, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,290 sqft · built 1953 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $999,000 (Jun 2026) |
| Tax Bill | $15,010 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04603-0000-00027 |
| Primary APN | 48-04603-0000-00027 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,290 sqft Living Area |
| 1st Floor Area | 2,290 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 109 ft deep x 72 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 19 WHITE TER |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.180AC |
| Legal Subdivision | FRANK J RUSSO |
| Legal Block | 4603 |
| Legal Lot Number | 27 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 44202 |
19 White Ter is owned and occupied by two individuals who bought it in June 2026.
Source: Bergen County and Ramsey Borough records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19 WHITE TER, RAMSEY, NJ 07446-1616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed, Transfer · Conventional Mortgage US BANK |
| Jan 19, 2023 | Bargain and Sale Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 2, 2017 | Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on File |
| Deed Sale | Jun 12, 2026 · Amount on File |
| Prior Sale | Jan 19, 2023 · Amount on File |
| Deed Document Number | 202639538 |
| Deed Book / Page | 5820 / 403 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 12, 2026 |
| Property Address | 19 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0000039538 |
| Book / Page | 5820 / 403 |
| Instrument Date | May 14, 2026 |
| Instrument | 202639538 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100,899.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0000039539, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 202639539 |
| Name | US BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 19, 2023 |
| Property Address | 19 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0049100124 |
| Book / Page | 4910 / 124 |
| Instrument Date | Dec 23, 2022 |
| Instrument | 2023005309 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,934.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1925 BRICKELL AVE # AVED1404, AVED1404, MIAMI, FL 33129-1737 |
| Name | Verified Name |
|---|---|
| Address | 19 WHITE TER, RAMSEY, NJ 07446-1616 |
| Investor | Possibly a Property Investor |
| Document Number | 2023005310 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 2023005310 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 19 WHITE TER, RAMSEY, NJ 07446-1616 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041770318 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 4177/318 |
| Instrument | 2021086231 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 2, 2017 |
| Property Address | 19 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0026261985 |
| Book / Page | 02626 / 1985 |
| Instrument Date | May 24, 2017 |
| Instrument | 17-042345 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,556.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 WHITE TER, 19, RAMSEY, NJ 07446-1616 |
| Name | Verified Name |
|---|---|
| Address | 19 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0026261991 |
|---|---|
| Date | Jun 2, 2017 |
| Book Page | 02626/1991 |
| Instrument | 17-042345.01 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 19 White Ter was $15,010, down 6.4% 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 | $768,100 (+5.36%) Land $322,000 Building $446,100 | $768,100 (+5.36%) Land $322,000 Building $446,100 | |
| 2025 | $15,010.00 (-6.39%) | $729,000 Land $287,000 Building $442,000 | $729,000 Land $287,000 Building $442,000 |
| 2024 | $16,035.00 | ||
| 2023 | $568,200 Land $248,500 Building $319,700 | $568,200 Land $248,500 Building $319,700 | |
| 2022 | $14,903.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19 White Ter in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.
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 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.
The area around 19 White Ter has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 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 |
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