20 Gertzen Rd, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 20 Gertzen Rd, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	1,075 sqft · built 1926
Lot Size	0.434 acres (18,905 sqft)
Owner	2 Individual Names on File
Last Sale	$536,000 (Dec 2023)
Tax Bill	$10,151 (2025)
Deeds & Mortgages	Dec 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-04401-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`48-04401-0000-00018`
Alternative APN	`480440100018`

Interior

Stories	1 Story
Building Area	1,075 sqft Living Area
1st Floor Area	1,075 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Construction Type	Frame
Lot Area	18,905 sqft (0.434 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	20 GERTZEN RD
City	RAMSEY
State	NJ
Zip	07446-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	0.434AC
Legal Block	4401
Legal Lot Number	18
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1023
Census Tract	44202

Owner

20 Gertzen Rd is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 GERTZEN RD, RAMSEY, NJ 07446-1214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023 · Amount on File
Deed Sale	Dec 5, 2023 · Amount on File
Prior Sale	Nov 9, 2011 · Amount on File
Deed Document Number	202377808
Deed Book / Page	5136 / 215
Prior Transfer Date	Sep 25, 2007
Prior Transfer Doc	0094240287
Record Updated	Sep 20, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 5, 2023
Property Address	20 GERTZEN RD, RAMSEY, NJ 07446
Document Number	0051360215
Book / Page	5136 / 215
Instrument Date	Nov 30, 2023
Instrument	2023077808
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount on Record
Tax	$4,520.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 WILSON AVE, LONG BEACH, NY 11561-3836

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 GERTZEN RD, RAMSEY, NJ 07446

Tax Assessment & Valuation

The 2025 property tax bill for 20 Gertzen Rd was $10,151, down 8.5% from the year before.

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		$494,800 (+0.37%) Land $297,900 Building $196,900	$494,800 (+0.37%) Land $297,900 Building $196,900
2025	$10,151.00 (-8.54%)	$493,000 Land $297,900 Building $195,100	$493,000 Land $297,900 Building $195,100
2024	$11,099.00
2023		$386,400 (-) Land $267,000 Building $119,400	$386,400 (-) Land $267,000 Building $119,400
2022	$10,135.00 (+1.16%)	$386,400 Land $267,000 Building $119,400	$386,400 Land $267,000 Building $119,400
2021	$10,019.00

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

Flood

FEMA maps place 20 Gertzen Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	9 (1990–2021)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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

Wildfire risk around 20 Gertzen Rd 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 95% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20