Bergen County and Ramsey Borough property record for 234 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,671 sqft · built 1954 |
| Lot Size | 0.291 acres (12,676 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $553,200 (Jul 2014) |
| Tax Bill | $14,852 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01901-0000-00010 |
| Primary APN | 48-01901-0000-00010 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,671 sqft Living Area |
| 1st Floor Area | 2,671 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Frame |
| Lot Area | 12,676 sqft (0.291 acres) |
| Lot Dimensions | 123 ft deep x 103 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 234 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.291AC |
| Legal Block | 1901 |
| Legal Lot Number | 10 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough records, as of October 21, 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 | 234 ELBERT ST, RAMSEY, NJ 07446-1407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Line of Credit CARRINGTON MORTGAGE SERVICES LLC |
| Dec 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2014 · Amount on Record |
| Deed Sale | Jul 9, 2014 · Amount on Record |
| Deed Document Number | 201444242 |
| Deed Book / Page | 1703 / 1150 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 23, 2026 |
| Property Address | 234 ELBERT ST, RAMSEY, NJ 07446-1407 |
| Document Number | 0000066530 |
| Book / Page | 5907 / 1205 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202666530 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 234 ELBERT ST, RAMSEY, NJ 07446-1407 |
| Document Number | 0000066530, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 5907/1205 |
| Instrument | 202666530 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 25, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 234 ELBERT ST, RAMSEY, NJ 07446-1407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038730798 |
|---|---|
| Date | Dec 17, 2020 |
| Book Page | 3873/798 |
| Instrument | 2020135515 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2050 |
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 | $749,600 (+3.92%) Land $393,700 Building $355,900 | $749,600 (+3.92%) Land $393,700 Building $355,900 | |
| 2025 | $14,852.00 (-7.76%) | $721,300 (+26.41%) Land $368,700 Building $352,600 | $721,300 (+26.41%) Land $368,700 Building $352,600 |
| 2024 | $16,102.00 (+7.59%) | ||
| 2023 | $570,600 Land $296,800 Building $273,800 | $570,600 Land $296,800 Building $273,800 | |
| 2022 | $14,966.00 |
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 |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
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 83% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 256 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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