Bergen County and Ramsey Borough property record for 2 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,276 sqft · built 1983 |
| Lot Size | 0.023 acres (1,009 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $728,888 (Jul 2023) |
| Tax Bill | $13,293 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0002 |
| Primary APN | 48-04905-0000-00042-0000-C0002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,276 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,009 sqft (0.023 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 2 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PROSPECT PARK CONDO BLDG A |
| Legal Block | 4905 |
| Legal Lot Number | 42 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2003 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2 SPRUCE RUN, RAMSEY, NJ 07446-2556 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Jun 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE UNLIMITED |
| Jul 25, 2023 | Deed, Transfer · Conventional Mortgage UBS BANK USA |
| Jun 11, 2021 | Intrafamily Transfer, Transfer SAND LANE TITLE AGENCY LLC, SAFELAND TITLE AGENCY LLC |
| Aug 2, 2018 | Grant Deed, Transfer ASTON TITLE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2023 · Amount on Record |
| Deed Sale | Jul 25, 2023 · Amount on Record |
| Prior Sale | Aug 2, 2018 · Amount on Record |
| Deed Document Number | 202348649 |
| Deed Book / Page | 5044 / 1507 |
| Prior Transfer Date | Apr 29, 2021 |
| Prior Transfer Doc | 0042071407 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 2 SPRUCE RUN, RAMSEY, NJ 07446-2556 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Title Company | SAND LANE TITLE AGENCY LLC, SAFELAND TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0041890895 |
|---|---|
| Date | Jun 4, 2021 |
| Book Page | 4189/895 |
| Instrument | 2021089611 |
| Name | MORTGAGE UNLIMITED |
|---|---|
| Type | Mortgage Company |
| Address | GARFIELD, NJ 07026 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 25, 2023 |
| Property Address | 2 SPRUCE RUN, RAMSEY, NJ 07446-2556 |
| Document Number | 0050441507 |
| Book / Page | 5044 / 1507 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 2023048649 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,088.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 SPRUCE RUN, RAMSEY, NJ 07446-2556 |
| Name | Verified Name |
|---|---|
| Address | 2 SPRUCE RUN, RAMSEY, NJ 07446-2556 |
| Investor | Possibly a Property Investor |
| Document Number | 2023048650 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | 2023048650 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Aug 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Margin | 3 |
| Max Rate | 11.3% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 11, 2021 |
| Property Address | 2 SPRUCE RUN, RAMSEY, NJ 07446-2556 |
| Document Number | 0042071407 |
| Book / Page | 4207 / 1407 |
| Map Reference | MB 6708 PG 364 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 2021094198 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | SAND LANE TITLE AGENCY LLC, SAFELAND TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 SPRUCE RUN, RAMSEY, NJ 07446-2556 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 2, 2018 |
| Property Address | 2 SPRUCE RUN, RAMSEY, NJ 07446-2556 |
| Document Number | 0030161850 |
| Book / Page | 003016 / 001850 |
| Instrument Date | Jul 10, 2018 |
| Instrument | 55548 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | ASTON TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 SPRUCE RUN RAMSEY NJ 074462556, RAMSEY, NJ 07446-2556 |
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 | $654,700 (+1.41%) Land $205,000 Building $449,700 | $654,700 (+1.41%) Land $205,000 Building $449,700 | |
| 2025 | $13,293.00 (-0.23%) | $645,600 (+38.99%) Land $200,000 Building $445,600 | $645,600 (+38.99%) Land $200,000 Building $445,600 |
| 2024 | $13,323.00 (+9.36%) | ||
| 2023 | $464,500 (-) Land $190,000 Building $274,500 | $464,500 (-) Land $190,000 Building $274,500 | |
| 2022 | $12,183.00 (+1.15%) | $464,500 Land $190,000 Building $274,500 | $464,500 Land $190,000 Building $274,500 |
| 2021 | $12,044.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 94% of the US · lower than 85% 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 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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