Bergen County and Ramsey Borough property record for 190 Prospect St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,690 sqft · built 1957 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $660,000 (Nov 2021) |
| Tax Bill | $14,289 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04906-0000-00010 |
| Primary APN | 48-04906-0000-00010 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,690 sqft Living Area |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Construction Type | Frame |
| Lot Area | 8,233 sqft (0.189 acres) |
| Lot Dimensions | 110 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 190 PROSPECT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.189AC |
| Legal Subdivision | RAMSEY CC ESTATES SEC #1 |
| Legal Block | 4906 |
| Legal Lot Number | 10 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 44201 |
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 | 190 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA |
| Nov 24, 2021 | Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Jun 21, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on Record |
| Deed Sale | Nov 24, 2021 · Amount on Record |
| Prior Sale | Mar 21, 2003 |
| Deed Document Number | 2021173943 |
| Deed Book / Page | 4470 / 1191 |
| Prior Transfer Date | May 13, 2021 |
| Prior Transfer Doc | 0042221798 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 190 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0036341249 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 3634/1249 |
| Instrument | 20-062395 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2030 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 24, 2021 |
| Property Address | 190 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| Document Number | 0044701191 |
| Book / Page | 4470 / 1191 |
| Instrument Date | Nov 1, 2021 |
| Instrument | 2021173943 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,821.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 WHITTMAN ST, 105, ROCHELLE PARK, NJ 07662-3412 |
| Name | Verified Name |
|---|---|
| Address | 190 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| Document Number | 2021173944 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 2021173944 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 21, 2021 |
| Property Address | 190 PROSPECT ST, RAMSEY, NJ 07446-2548 |
| Document Number | 0042221798 |
| Book / Page | 4222 / 1798 |
| Instrument Date | May 13, 2021 |
| Instrument | 2021098537 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 190 PROSPECT ST, RAMSEY, NJ 07446-2548 |
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 | $661,800 (-4.64%) Land $303,400 Building $358,400 | $661,800 (-4.64%) Land $303,400 Building $358,400 | |
| 2025 | $14,289.00 (-7.38%) | $694,000 (+26.94%) Land $303,400 Building $390,600 | $694,000 (+26.94%) Land $303,400 Building $390,600 |
| 2024 | $15,428.00 (+7.59%) | ||
| 2023 | $546,700 Land $214,200 Building $332,500 | $546,700 Land $214,200 Building $332,500 | |
| 2022 | $14,339.00 |
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 Policies | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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: 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 267 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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