Bergen County and Ramsey Borough property record for 21 Prospect St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,648 sqft · built 2024 |
| Lot Size | 0.211 acres (9,191 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,100,000 (Jun 2025) |
| Tax Bill | $22,103 (2025) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage May 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48 04902-0000-00009 |
| Primary APN | 48 04902-0000-00009 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,648 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Construction Type | Frame |
| Lot Area | 9,191 sqft (0.211 acres) |
| Lot Dimensions | 92 ft deep x 100 ft wide |
| Old Parcel Number | 4804902000000009 |
|---|---|
| Street Address | 21 PROSPECT ST |
| City | RAMSEY |
| State | NJ |
| Zip | 07446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B1 |
| Legal Description | 0.211AC |
| Legal Subdivision | 21-23 PROSPECT CONDO |
| Legal Block | 4902 |
| Legal Lot Number | 9.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 44201 |
Source: Bergen County and Ramsey Borough records, as of October 13, 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 | 23 PROSPECT ST, RAMSEY, NJ 07446-2537 |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jun 5, 2025 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 13, 2025 | Deed, Transfer · Conventional Mortgage FIRST ALLIANCE HOME MORTGAGE LLC |
| Mar 20, 2024 | Deed, Transfer |
| May 21, 2019 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2025 · Amount on Record |
| Deed Sale | Jun 5, 2025 · Amount on Record |
| Prior Sale | May 13, 2025 · Amount on Record |
| Deed Document Number | 202539107 |
| Deed Book / Page | 5520 / 824 |
| Prior Transfer Date | Apr 21, 2025 |
| Prior Transfer Doc | 0000030347 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 5, 2025 |
| Property Address | 21 PROSPECT ST, RAMSEY, NJ 07446-2537 |
| Document Number | 0055200824 |
| Book / Page | 5520 / 824 |
| Instrument Date | May 14, 2025 |
| Instrument | 2025039107 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | LUND TITLE AGENCY LLC, MUNDUS TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,785.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 631 E PALISADE AVE, ENGLEWOOD CLIFFS, NJ 07632-1803 |
| Name | Verified Name |
|---|---|
| Address | 23 PROSPECT ST, RAMSEY, NJ 07446-2537 |
| Document Number | 2025039108 |
|---|---|
| Date | Jun 5, 2025 |
| Instrument | 2025039108 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Change Frequency | 6 Months |
| Index | SOFR Average 30-Day |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 13, 2025 |
| Property Address | 21 PROSPECT ST, RAMSEY, NJ 07446-2537 |
| Document Number | 0055031206 |
| Book / Page | 5503 / 1206 |
| Instrument Date | Apr 21, 2025 |
| Instrument | 2025033972 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,785.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 631 E PALISADE AVE, ENGLEWOOD CLIFFS, NJ 07632-1803 |
| Name | Verified Name |
|---|---|
| Address | 21 PROSPECT ST, RAMSEY, NJ 07446-2537 |
| Document Number | 2025033973 |
|---|---|
| Date | May 13, 2025 |
| Instrument | 2025033973 |
| Name | FIRST ALLIANCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 20, 2024 |
| Property Address | 21 PROSPECT ST, RAMSEY, NJ 07446-2537 |
| Document Number | 0051971709 |
| Book / Page | 5197 / 1709 |
| Instrument Date | Mar 5, 2024 |
| Instrument | 2024015370 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,655.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 PEMBROKE TRL, UPPER SADDLE RIVER, NJ 07458-1901 |
| Name | Verified Name |
|---|---|
| Address | 115 RIVER RD STE 101, 101, EDGEWATER, NJ 07020-1006 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 21, 2019 |
| Property Address | 26 MECHANIC ST, RAMSEY, NJ 07446-2544 |
| Document Number | 0032470876 |
| Book / Page | 3247 / 876 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 2019-031583.01 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 FAWNHILL RD, UPPER SADDLE RIVER, NJ 07458-1517 |
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 | $1,065,700 (-0.73%) Land $357,100 Building $708,600 | $1,065,700 (-0.73%) Land $357,100 Building $708,600 | |
| 2025 | $22,103.00 (+129.24%) | $1,073,500 (+214.16%) Land $357,000 Building $716,500 | $1,073,500 (+214.16%) Land $357,000 Building $716,500 |
| 2024 | $9,642.00 (+7.59%) | ||
| 2023 | $341,700 Land $240,500 Building $101,200 | $341,700 Land $240,500 Building $101,200 | |
| 2022 | $8,962.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 500 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 | Not rated no burnable land within ember reach |
|---|
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 285 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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