Bergen County and Ramsey Borough property record for 245 Norman Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,098 sqft · built 1941 |
| Lot Size | 0.562 acres (24,498 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $795,000 (Feb 2021) |
| Tax Bill | $21,760 (2025) |
| Deeds & Mortgages | Nov 2019 Refinance May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-05405-0000-00001 |
| Primary APN | 48-05405-0000-00001 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,098 sqft Living Area |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Construction Type | Frame |
| Lot Area | 24,498 sqft (0.562 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 245 NORMAN DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | .5624AC |
| Legal Subdivision | RAMSEY COUNTRY CLUB ESTATES SE |
| Legal Block | 5405 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 44201 |
245 Norman Dr is owned and occupied by two individuals who bought it in February 2021.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 245 NORMAN DR, RAMSEY, NJ 07446-2670 |
| 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 |
|---|---|
| Nov 1, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Feb 5, 2021 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2021 · Amount on File |
| Deed Sale | Feb 5, 2021 · Amount on File |
| Prior Sale | Jun 23, 2005 · Amount on File |
| Deed Document Number | 202116186 |
| Deed Book / Page | 3946 / 787 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 245 NORMAN DR, RAMSEY, NJ 07446-2670 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033952413 |
|---|---|
| Date | Nov 1, 2019 |
| Book Page | 3395/2413 |
| Instrument | 2019-074489.01 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 245 NORMAN DR, RAMSEY, NJ 07446-2670 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|
| Document Number | 0041680133 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 4168/133 |
| Instrument | 2021083628 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | May 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 7.37% |
| Index | 1-Year CMT |
| Max Rate | 7.37% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 5, 2021 |
| Property Address | 245 NORMAN DR, RAMSEY, NJ 07446-2670 |
| Document Number | 0039460787 |
| Book / Page | 3946 / 787 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 2021016186 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $7,252.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 GULF BLVD APT 216, 1600, CLEARWATER BEACH, FL 33767-2923 |
| Name | Verified Name |
|---|---|
| Address | 245 NORMAN DR, RAMSEY, NJ 07446-2670 |
The 2025 property tax bill for 245 Norman Dr was $21,760, down 3.6% 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 | $1,087,900 (+2.94%) Land $419,800 Building $668,100 | $1,087,900 (+2.94%) Land $419,800 Building $668,100 | |
| 2025 | $21,760.00 (-3.65%) | $1,056,800 Land $394,800 Building $662,000 | $1,056,800 Land $394,800 Building $662,000 |
| 2024 | $22,584.00 | ||
| 2023 | $800,300 Land $328,200 Building $472,100 | $800,300 Land $328,200 Building $472,100 | |
| 2022 | $20,991.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 245 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 245 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 | 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 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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