20 Refy Ave, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 20 Refy Ave, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	1,364 sqft · built 1956
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on File
Tax Bill	$13,054 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-03408-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`48-03408-0000-00002`
Alternative APN	`480340800002`

Interior

Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	1,364 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	10,803 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide

Location & Zoning

Street Address	20 REFY AVE
City	RAMSEY
State	NJ
Zip	07446-2435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.248AC
Legal Subdivision	H & T REALTY CO SEC 1
Legal Block	3408
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	3
Census Block	3003
Census Tract	44201

Owner

Source: Bergen County and Ramsey Borough records · APN 48-03408-0000-00002

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	Individual Name on File
Mailing Address	20 REFY AVE, RAMSEY, NJ 07446-2435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	20 REFY AVE, RAMSEY, NJ 07446-2435
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043841157
Date	Sep 20, 2021
Book Page	4384/1157
Instrument	2021147576

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 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

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		$661,200 (+4.29%) Land $387,200 Building $274,000	$661,200 (+4.29%) Land $387,200 Building $274,000
2025	$13,054.00 (+1.79%)	$634,000 (+39.49%) Land $357,200 Building $276,800	$634,000 (+39.49%) Land $357,200 Building $276,800
2024	$12,825.00 (+7.58%)
2023		$454,500 Land $268,600 Building $185,900	$454,500 Land $268,600 Building $185,900
2022	$11,921.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030442013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 133 locations within half a mile · 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
AT&T Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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

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 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.