23 Biscayne Dr, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 23 Biscayne Dr, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,293 sqft · built 1970
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$900,000 (Jul 2021)
Tax Bill	$19,293 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-05405-0000-00037`

Property Details

APN / Parcel Number

Primary APN	`48-05405-0000-00037`
Alternative APN	`480540500037`

Interior

Stories	2 Stories
Building Area	2,293 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	154 ft deep x 116 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	23 BISCAYNE DR
City	RAMSEY
State	NJ
Zip	07446-2630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.410AC
Legal Block	5405
Legal Lot Number	37
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1005
Census Tract	44201

Owner

Source: Bergen County and Ramsey Borough records · APN 48-05405-0000-00037

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	23 BISCAYNE DR, RAMSEY, NJ 07446-2630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 08, 2021 · Amount on Record
Deed Sale	Jul 08, 2021 · Amount on Record
Prior Sale	Sep 29, 2004 · Amount on Record
Deed Document Number	2021109497
Deed Book / Page	4258 / 1851
Record Updated	Sep 20, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 08, 2021
Property Address	23 BISCAYNE DR, RAMSEY, NJ 07446-2630
Document Number	0042581851
Book / Page	4258 / 1851
Instrument Date	Jun 11, 2021
Instrument	2021109497
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	88 ELM ST, ALLENDALE, NJ 07401-1523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BISCAYNE DR, RAMSEY, NJ 07446-2630

Mortgage

Document Number	2021109498
Date	Jul 08, 2021
Instrument	2021109498

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 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		$948,900 (+1.27%) Land $354,800 Building $594,100	$948,900 (+1.27%) Land $354,800 Building $594,100
2025	$19,293.00 (-9.3%)	$937,000 (+24.3%) Land $344,800 Building $592,200	$937,000 (+24.3%) Land $344,800 Building $592,200
2024	$21,272.00 (+7.59%)
2023		$753,800 Land $328,500 Building $425,300	$753,800 Land $328,500 Building $425,300
2022	$19,772.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	9 (1978–2021)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications 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 USA Fixed Wireless	100 / 20

Based on FCC filings for 352 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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.