21 Spruce Run, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 21 Spruce Run, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,167 sqft · built 1983
Lot Size	0.024 acres (1,022 sqft)
Owner	Individual Name on File
Last Sale	$790,000 (Dec 2025)
Tax Bill	$12,352 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`48-04905-0000-00042-0000-C0021`

Property Details

APN / Parcel Number

Primary APN	`48-04905-0000-00042-0000-C0021`
Alternative APN	`4804905000000042C0021`

Interior

Stories	2 Stories
Building Area	2,167 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Condo/Apartment
Construction Type	Frame
Lot Area	1,022 sqft (0.024 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	21 SPRUCE RUN
City	RAMSEY
State	NJ
Zip	07446-2559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PROSPECT PARK
Legal Block	4905
Legal Lot Number	42
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	2
Census Block	2003
Census Tract	44201

Owner

21 Spruce Run is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	21 SPRUCE RUN, RAMSEY, NJ 07446-2559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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	Name on Deed
Last Sale	Dec 1, 2025 · Amount on File
Deed Sale	Dec 1, 2025 · Amount on File
Prior Sale	Mar 31, 1999 · Amount on File
Deed Document Number	202580890
Deed Book / Page	5657 / 246
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 1, 2025
Property Address	21 SPRUCE RUN, RAMSEY, NJ 07446-2559
Document Number	0056570246
Book / Page	5657 / 246
Instrument Date	Oct 31, 2025
Instrument	2025080890
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,199.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	67 FORT SALONGA RD, NORTHPORT, NY 11768-2851

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 SPRUCE RUN, RAMSEY, NJ 07446-2559

Mortgage

Document Number	2025080891
Date	Dec 1, 2025
Instrument	2025080891

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 21 Spruce Run was $12,352, down 4.3% 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		$608,600 (+1.45%) Land $205,000 Building $403,600	$608,600 (+1.45%) Land $205,000 Building $403,600
2025	$12,352.00 (-4.32%)	$599,900 Land $200,000 Building $399,900	$599,900 Land $200,000 Building $399,900
2024	$12,910.00
2023		$457,500 Land $190,000 Building $267,500	$457,500 Land $190,000 Building $267,500
2022	$12,000.00

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

Flood

FEMA maps place 21 Spruce Run in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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.

Wildfire

The area around 21 Spruce Run has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 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