Bergen County and Ramsey Borough property record for 22 E Oak St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,606 sqft · built 1954 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $615,000 (Mar 2023) |
| Tax Bill | $13,143 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03202-0000-00004 |
| Primary APN | 48-03202-0000-00004 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,606 sqft Living Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 22 E OAK ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.230AC |
| Legal Subdivision | RAMSEY GARDENS MAP A |
| Legal Block | 3202 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 44100 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 22 E OAK ST, RAMSEY, NJ 07446-2328 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 15, 2023 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 9, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Oct 13, 2017 | Deed, Transfer · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2023 · Amount on Record |
| Deed Sale | Mar 15, 2023 · Amount on Record |
| Prior Sale | Oct 13, 2017 · Amount on Record |
| Deed Document Number | 202318956 |
| Deed Book / Page | 4952 / 1169 |
| Prior Transfer Date | Oct 3, 2020 |
| Prior Transfer Doc | 0038081252 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 15, 2023 |
| Property Address | 22 E OAK ST, RAMSEY, NJ 07446-2328 |
| Document Number | 0049521169 |
| Book / Page | 4952 / 1169 |
| Instrument Date | Feb 26, 2023 |
| Instrument | 2023018956 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2023 |
| Title Company | TRUSTEE TITLE LLC, TRUSTED TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,344.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 22 E OAK ST, RAMSEY, NJ 07446-2328 |
| Name | Verified Name |
|---|---|
| Address | 22 E OAK ST, RAMSEY, NJ 07446-2328 |
| Document Number | 2023018957 |
|---|---|
| Date | Mar 15, 2023 |
| Instrument | 2023018957 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 9, 2020 |
| Property Address | 22 E OAK ST, RAMSEY, NJ 07446-2328 |
| Document Number | 0038081252 |
| Book / Page | 3808 / 1252 |
| Instrument Date | Oct 3, 2020 |
| Instrument | 20-116089 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 E OAK ST, RAMSEY, NJ 07446-2328 |
| Document Number | 20116090 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 20-116090 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 13, 2017 |
| Property Address | 22 E OAK ST, RAMSEY, NJ 07446-2328 |
| Document Number | 0027511719 |
| Book / Page | 02751 / 1719 |
| Instrument Date | Jul 1, 2017 |
| Instrument | 17-077026 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | LEGEND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,997.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 22 E OAK ST, 22, RAMSEY, NJ 07446-2328 |
| Name | Verified Name |
|---|---|
| Address | 22 E OAK ST, RAMSEY, NJ 07446-2328 |
| Document Number | 0027511725 |
|---|---|
| Date | Oct 13, 2017 |
| Book Page | 02751/1725 |
| Instrument | 17-077026.01 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
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 | $665,900 (+4.32%) Land $384,500 Building $281,400 | $665,900 (+4.32%) Land $384,500 Building $281,400 | |
| 2025 | $13,143.00 (-1.02%) | $638,300 (+35.66%) Land $359,500 Building $278,800 | $638,300 (+35.66%) Land $359,500 Building $278,800 |
| 2024 | $13,278.00 (+21.02%) | ||
| 2023 | $470,500 (+12.48%) Land $267,300 Building $203,200 | $470,500 (+12.48%) Land $267,300 Building $203,200 | |
| 2022 | $10,972.00 (+1.16%) | $418,300 Land $267,300 Building $151,000 | $418,300 Land $267,300 Building $151,000 |
| 2021 | $10,846.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 | Low lower than 94% of the US · lower than 85% 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.
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 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures