Bergen County and Ramsey Borough property record for 23 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,148 sqft · built 1983 |
| Lot Size | 0.023 acres (1,017 sqft) |
| Owner | Individual Name on File |
| Last Sale | $495,000 (Jul 2022) |
| Tax Bill | $12,146 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jul 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0023 |
| Primary APN | 48-04905-0000-00042-0000-C0023 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,148 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,017 sqft (0.023 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 23 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 |
23 Spruce Run is owned and occupied by an individual who bought it in July 2022.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23 SPRUCE RUN, RAMSEY, NJ 07446-2559 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 21, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jul 30, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2022 · Amount on File |
| Deed Sale | Jul 21, 2022 · Amount on File |
| Prior Sale | Dec 16, 1999 · Amount on File |
| Deed Document Number | 202272446 |
| Deed Book / Page | 4747 / 1655 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 21, 2022 |
| Property Address | 23 SPRUCE RUN, RAMSEY, NJ 07446-2559 |
| Document Number | 0047471655 |
| Book / Page | 4747 / 1655 |
| Instrument Date | Jul 7, 2022 |
| Instrument | 2022072446 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Title Company | EVERGREEN LAND TITLE SERVICES INC, EVERGREEN LAND TTL SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,127.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 130 BREAKERS CT APT 231, 130, PUNTA GORDA, FL 33950-5344 |
| Name | Verified Name |
|---|---|
| Address | 23 SPRUCE RUN, RAMSEY, NJ 07446-2559 |
| Document Number | 2022072447 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 2022072447 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Aug 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.75% |
| Index | Other |
| Max Rate | 9.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 30, 2018 |
| Property Address | 23 SPRUCE RUN, RAMSEY, NJ 07446-2559 |
| Document Number | 0030120120 |
| Book / Page | 003012 / 000120 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 54266 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 23 SPRUCE RUN RAMSEY NJ 074462559, RAMSEY, NJ 07446-2559 |
The 2025 property tax bill for 23 Spruce Run was $12,146, up 0.5% from the year before.
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 | $598,500 (+1.46%) Land $205,000 Building $393,500 | $598,500 (+1.46%) Land $205,000 Building $393,500 | |
| 2025 | $12,146.00 (+0.5%) | $589,900 Land $200,000 Building $389,900 | $589,900 Land $200,000 Building $389,900 |
| 2024 | $12,086.00 | ||
| 2023 | $428,300 Land $190,000 Building $238,300 | $428,300 Land $190,000 Building $238,300 | |
| 2022 | $11,234.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Spruce Run in Zone X, an area of minimal 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 minimal risk |
|---|---|
| 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.
The area around 23 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.
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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