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20 Timber Trl, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 20 Timber Trl, Ramsey, NJ 07446

Property Summary

Property TypeSingle Family Home
Details3,674 sqft · built 1967
Lot Size1.01 acres (44,301 sqft)
Owner2 Individual Names on Record
Last Sale$1,100,000 (Sep 2018)
Tax Bill$27,360 (2025)
Deeds & MortgagesMar 2020 Mortgage
Sep 2018 Sale
Flood ZoneZone X (minimal risk)
APN48-03002-0000-00042

Property Details

APN / Parcel Number

Primary APN48-03002-0000-00042
Alternative APN
  • 480300200042

Interior

Stories2 Stories
Building Area3,674 sqft Living Area

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 1967
Construction TypeFrame
Lot Area44,301 sqft
Lot Dimensions242 ft deep x 183 ft wide
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address20 TIMBER TRL
CityRAMSEY
StateNJ
Zip07446-2124
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description1.017AC
Legal SubdivisionWHITE OAK ESTATES SEC II
Legal Block3002
Legal Lot Number42
JurisdictionBERGEN NJ
Township / Civil DivisionRAMSEY
Census Block Group3
Census Block3007
Census Tract44100

Owner

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 Record2 Individual Names on Record
Mailing Address20 TIMBER TRL, RAMSEY, NJ 07446-2124
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2020Deed of Trust, Mortgage
BANK OF AMERICA
Sep 4, 2018Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 4, 2018 · Amount on Record
Deed SaleSep 4, 2018 · Amount on Record
Prior SaleDec 22, 2015 · Amount on Record
Deed Document Number201818-062919
Deed Book / Page3042 / 2305
Record UpdatedOct 29, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address20 TIMBER TRL, RAMSEY, NJ 07446-2124
Document Number0035681024
Instrument DateMar 13, 2020
Transaction TypeMortgage
Record UpdatedMay 29, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address20 TIMBER TRL RAMSEY NJ 074462124, RAMSEY, NJ 07446-2124

Mortgage

Document Number0035681024
DateApr 14, 2020
Book Page003568/001024
Instrument20038651
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
AmountAmount Recorded
Term360 Months
DueApr 13, 2050
Interest
Rate TypeAdjustable Rate
Rate3.37%

September 2018: Deed, Transfer

Document TypeDeed
JurisdictionBERGEN NJ
Recording DateSep 4, 2018
Property Address20 TIMBER TRL, RAMSEY, NJ 07446-2124
Document Number0030422305
Book / Page3042 / 2305
Instrument DateAug 3, 2018
Instrument00018-062919
Transaction TypeTransfer
Record UpdatedNov 2, 2021

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 TIMBER TRL, RAMSEY, NJ 07446-2124
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityRamsey Borough
Unified School DistrictRamsey Borough School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,336,800 (+0.6%) Land $458,100 Building $878,700$1,336,800 (+0.6%) Land $458,100 Building $878,700
2025$27,360.00 (-0.28%)$1,328,800 (+36.67%) Land $458,100 Building $870,700$1,328,800 (+36.67%) Land $458,100 Building $870,700
2024$27,438.00 (+7.59%)
2023$972,300 Land $348,400 Building $623,900$972,300 Land $348,400 Building $623,900
2022$25,503.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1980)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 1980 · tidal / storm surge

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 RiskLow
lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemRAMSEY WATER DEPT
serves 15,207 people · EPA ID NJ0248001
Water SourcePurchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK
Last State InspectionFeb 2026
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 143 locations within half a mile, as of December 31, 2025

ProviderMax 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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