Bergen County and Ramsey Borough property record for 238 Norman Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,374 sqft · built 1952 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Apr 2021) |
| Tax Bill | $17,073 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-05404-0000-00003 |
| Primary APN | 48-05404-0000-00003 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,374 sqft Living Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 8,233 sqft (0.189 acres) |
| Lot Dimensions | 110 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 238 NORMAN DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.189AC |
| Legal Subdivision | RAMSEY COUNTRY CLUB ESTATES |
| Legal Block | 5404 |
| Legal Lot Number | 3 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 44201 |
238 Norman Dr is owned and occupied by an individual who bought it in April 2021.
Source: Bergen County and Ramsey Borough records, as of July 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 238 NORMAN DR, RAMSEY, NJ 07446-2615 |
| 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 |
|---|---|
| Oct 21, 2025 | Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC |
| Mar 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Apr 13, 2021 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 11, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2021 · Amount on File |
| Deed Sale | Apr 13, 2021 · Amount on File |
| Prior Sale | Jun 11, 2019 |
| Deed Document Number | 202154697 |
| Deed Book / Page | 4072 / 824 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 238 NORMAN DR, RAMSEY, NJ 07446-2615 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 238 NORMAN DR, RAMSEY, NJ 07446-2615 |
| Document Number | 0056251123 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | 5625/1123 |
| Instrument | 2025071253 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 13, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 238 NORMAN DR, RAMSEY, NJ 07446-2615 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | CARNEGIE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0046110548 |
|---|---|
| Date | Mar 8, 2022 |
| Book Page | 4611/548 |
| Instrument | 2022029201 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 13, 2021 |
| Property Address | 238 NORMAN DR, RAMSEY, NJ 07446-2615 |
| Document Number | 0040720824 |
| Book / Page | 4072 / 824 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 2021054697 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 WOOD AVE S, 100, ISELIN, NJ 08830-2727 |
| Name | Verified Name |
|---|---|
| Address | 10 MAPLE LN, EMERSON, NJ 07630-1322 |
| Document Number | 2021054698 |
|---|---|
| Date | Apr 13, 2021 |
| Instrument | 2021054698 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 11, 2019 |
| Property Address | 238 NORMAN DR, RAMSEY, NJ 07446-2615 |
| Document Number | 0032630606 |
| Book / Page | 003263 / 000606 |
| Instrument Date | Apr 17, 2019 |
| Instrument | 36375 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 100 WOOD AVE S ISELIN NJ 088302727, ISELIN, NJ 08830-2727 |
The 2025 property tax bill for 238 Norman Dr was $17,073, up 4.9% 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 | $858,600 (+3.55%) Land $378,400 Building $480,200 | $858,600 (+3.55%) Land $378,400 Building $480,200 | |
| 2025 | $17,073.00 (+4.89%) | $829,200 Land $353,400 Building $475,800 | $829,200 Land $353,400 Building $475,800 |
| 2024 | $16,277.00 | ||
| 2023 | $576,800 Land $293,600 Building $283,200 | $576,800 Land $293,600 Building $283,200 | |
| 2022 | $15,129.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 238 Norman Dr in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.
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 | 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 |
|
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 risk around 238 Norman Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% 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 352 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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