20 Christopher St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 20 Christopher St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,304 sqft · built 1952
Lot Size	0.284 acres (12,371 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (May 2023)
Tax Bill	$14,808 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-04808-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`48-04808-0000-00012`
Alternative APN	`480480800012`

Interior

Stories	1 Story
Building Area	2,304 sqft Living Area
1st Floor Area	2,304 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	12,371 sqft (0.284 acres)
Lot Dimensions	99 ft deep x 125 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	20 CHRISTOPHER ST
City	RAMSEY
State	NJ
Zip	07446-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.284AC
Legal Subdivision	CLARKE & CHRISTOPHER
Legal Block	4808
Legal Lot Number	12
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	3
Census Block	3008
Census Tract	44202

Owner

Source: Bergen County and Ramsey Borough assessment roll, 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 File
Mailing Address	20 CHRISTOPHER ST, RAMSEY, NJ 07446-1933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 3, 2023 · Amount on Record
Deed Sale	May 3, 2023 · Amount on Record
Prior Sale	Jun 18, 2003 · Amount on Record
Deed Document Number	202329757
Deed Book / Page	4985 / 810
Record Updated	Sep 20, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	May 3, 2023
Property Address	20 CHRISTOPHER ST, RAMSEY, NJ 07446-1933
Document Number	0049850810
Book / Page	4985 / 810
Instrument Date	Apr 19, 2023
Instrument	2023029757
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	CATIC TITLE INSURANCE COMPANY, CATIC TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,510.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1369 OXFORD ST, MAHWAH, NJ 07430-3260

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 CHRISTOPHER ST, RAMSEY, NJ 07446-1933

Mortgage

Document Number	2023029758
Date	May 3, 2023
Instrument	2023029758

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	11.3%
Index	1-Year T-Bill
Max Rate	11.3%

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$723,100 (+0.54%) Land $292,600 Building $430,500	$723,100 (+0.54%) Land $292,600 Building $430,500
2025	$14,808.00 (-2.28%)	$719,200 (+33.93%) Land $292,600 Building $426,600	$719,200 (+33.93%) Land $292,600 Building $426,600
2024	$15,154.00 (+7.59%)
2023		$537,000 Land $246,300 Building $290,700	$537,000 Land $246,300 Building $290,700
2022	$14,085.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.3% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 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