Bergen County and Ramsey Borough property record for 197 Pine St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,040 sqft · built 1952 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $572,000 (Oct 2023) |
| Tax Bill | $12,815 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03212-0000-00007 |
| Primary APN | 48-03212-0000-00007 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 10,498 sqft (0.241 acres) |
| Lot Dimensions | 105 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 197 PINE ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.241AC |
| Legal Subdivision | MOMAR HOMES INC SEC THREE |
| Legal Block | 3212 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough records · APN 48-03212-0000-00007
Assessment roll updated June 29, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 197 PINE ST, RAMSEY, NJ 07446-2334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed of Trust, Mortgage · FHA Mortgage NORTHPOINTE BANK |
| Oct 17, 2023 | Deed, Transfer · FHA Mortgage NORTHPOINTE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 17, 2023 · Amount on Record |
| Deed Sale | Oct 17, 2023 · Amount on Record |
| Prior Sale | Aug 21, 2001 · Amount on Record |
| Deed Document Number | 202368387 |
| Deed Book / Page | 5107 / 28 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 197 PINE ST, RAMSEY, NJ 07446-2334 |
| Transaction Type | Mortgage |
| Record Updated | Nov 07, 2025 |
| Name | Verified Name |
|---|---|
| Address | 197 PINE ST, RAMSEY, NJ 07446-2334 |
| Document Number | 0056281706 |
|---|---|
| Date | Oct 23, 2025 |
| Book Page | 5628/1706 |
| Instrument | 2025072287 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 17, 2023 |
| Property Address | 197 PINE ST, RAMSEY, NJ 07446-2334 |
| Document Number | 0051070028 |
| Book / Page | 5107 / 28 |
| Instrument Date | Oct 02, 2023 |
| Instrument | 2023068387 |
| Transaction Type | Transfer |
| Record Updated | Dec 08, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,256.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25278 TANNIN CIR, MILTON, DE 19968-3094 |
| Name | Verified Name |
|---|---|
| Address | 197 PINE ST, RAMSEY, NJ 07446-2334 |
| Document Number | 2023068388 |
|---|---|
| Date | Oct 17, 2023 |
| Instrument | 2023068388 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ramsey Borough |
| Unified School District | Ramsey Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $624,600 (+0.35%) Land $386,200 Building $238,400 | $624,600 (+0.35%) Land $386,200 Building $238,400 | |
| 2025 | $12,815.00 (+12.29%) | $622,400 (+58.74%) Land $386,200 Building $236,200 | $622,400 (+58.74%) Land $386,200 Building $236,200 |
| 2024 | $11,412.00 (+10.97%) | ||
| 2023 | $392,100 (-) Land $258,100 Building $134,000 | $392,100 (-) Land $258,100 Building $134,000 | |
| 2022 | $10,284.00 (+1.15%) | $392,100 Land $258,100 Building $134,000 | $392,100 Land $258,100 Building $134,000 |
| 2021 | $10,167.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 296 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RAMSEY WATER DEPT serves 15,207 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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