Bergen County and Ramsey Borough property record for 2 Larch Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,440 sqft · built 1952 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $13,493 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03212-0000-00001 |
| Primary APN | 48-03212-0000-00001 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 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 |
| Street Address | 2 LARCH AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.241AC |
| Legal Subdivision | MOMAR HOMES INC SEC 2 |
| Legal Block | 3212 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 44100 |
2 Larch Ave is owned and occupied by two individuals who acquired it in September 2000.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 LARCH AVE, RAMSEY, NJ 07446-2316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 22, 2018 | Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2000 |
| Deed Sale | Sep 19, 2000 |
| Prior Sale | Sep 19, 2000 |
| Deed Book / Page | 10474 / 389 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 2 LARCH AVE, RAMSEY, NJ 07446-2316 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043251147 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 4325/1147 |
| Instrument | 2021129702 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 2 LARCH AVE, RAMSEY, NJ 07446-2316 |
| Document Number | 0028701418 |
| Instrument Date | Jan 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2018 |
| Title Company | RESEARCH TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2 LARCH AVE RAMSEY NJ 074462316, RAMSEY, NJ 07446-2316 |
| Document Number | 0028701418 |
|---|---|
| Date | Feb 22, 2018 |
| Book Page | 002870/001418 |
| Name | MERIDIAN HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | OWINGS MILLS, MD 21117 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 21, 2048 |
The 2025 property tax bill for 2 Larch Ave was $13,493, up 11.6% 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 | $657,800 (+0.38%) Land $386,200 Building $271,600 | $657,800 (+0.38%) Land $386,200 Building $271,600 | |
| 2025 | $13,493.00 (+11.61%) | $655,300 Land $386,200 Building $269,100 | $655,300 Land $386,200 Building $269,100 |
| 2024 | $12,089.00 | ||
| 2023 | $428,400 Land $258,100 Building $170,300 | $428,400 Land $258,100 Building $170,300 | |
| 2022 | $11,236.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 Larch Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1992.
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 | 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 |
|
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 2 Larch Ave is low, with less than 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 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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 | 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 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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