25 S Central Ave, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 25 S Central Ave, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,789 sqft · built 1920
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Jul 2014)
Tax Bill	$17,699 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-02906-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`48-02906-0000-00004`
Alternative APN	`480290600004`

Interior

Stories	2 Stories
Building Area	2,789 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	19,994 sqft (0.459 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	25 S CENTRAL AVE
City	RAMSEY
State	NJ
Zip	07446-1838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.459AC
Legal Block	2906
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	4
Census Block	4003
Census Tract	44100

Owner

25 S Central Ave is owned and occupied by an individual who bought it in July 2014.

Source: Bergen County and Ramsey Borough records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	25 S CENTRAL AVE, RAMSEY, NJ 07446-1838
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2014 · Amount on File
Deed Sale	Jul 23, 2014 · Amount on File
Deed Document Number	201448101
Deed Book / Page	1713 / 2360
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	25 S CENTRAL AVE, RAMSEY, NJ 07446-1838
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045190703
Date	Jan 4, 2022
Book Page	4519/703
Instrument	2022001003

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	345 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 25 S Central Ave was $17,699, up 10.4% from the year before.

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$864,200 (+0.54%) Land $358,400 Building $505,800	$864,200 (+0.54%) Land $358,400 Building $505,800
2025	$17,699.00 (+10.44%)	$859,600 Land $358,400 Building $501,200	$859,600 Land $358,400 Building $501,200
2024	$16,026.00
2023		$567,900 Land $281,000 Building $286,900	$567,900 Land $281,000 Building $286,900
2022	$14,896.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 25 S Central Ave in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1992–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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

Wildfire risk around 25 S Central Ave 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 94% of the US · lower than 83% 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.

Drinking Water

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

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, 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.

Internet Providers

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