Bergen County and Ramsey Borough property record for 26 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,248 sqft · built 1983 |
| Lot Size | 0.025 acres (1,073 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $690,000 (Nov 2024) |
| Tax Bill | $12,510 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0026 |
| Primary APN | 48-04905-0000-00042-0000-C0026 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,248 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,073 sqft (0.025 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 26 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PROSPECT PARK CONDO BLDG E |
| Legal Block | 4905 |
| Legal Lot Number | 42 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 44201 |
26 Spruce Run is owned and occupied by two individuals who bought it in November 2024.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 26 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC |
| Aug 24, 2017 | Deed, Transfer · Conventional Mortgage UNITED NORTHERN MORTGAGE BANKERS LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2024 · Amount on File |
| Deed Sale | Nov 27, 2024 · Amount on File |
| Prior Sale | Aug 24, 2017 · Amount on File |
| Deed Document Number | 202471031 |
| Deed Book / Page | 5373 / 1421 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 26 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|
| Document Number | 0040771028 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 4077/1028 |
| Instrument | 2021056275 |
| Name | LADERA LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LADERA RANCH, CA 92694 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 24, 2017 |
| Property Address | 26 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Document Number | 0027041275 |
| Book / Page | 02704 / 1275 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 17-063799 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | SHEPHERD TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 BRENNER RD, 17, NORWALK, CT 06851-1403 |
| Name | Verified Name |
|---|---|
| Address | 26 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Document Number | 0027041282 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 02704/1282 |
| Instrument | 17-063799.01 |
| Name | UNITED NORTHERN MORTGAGE BANKERS LTD |
|---|---|
| Type | Mortgage Company |
| Address | LEVITTOWN, NY 11756 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 26 Spruce Run was $12,510, down 4.7% 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 | $656,200 (+8%) Land $205,000 Building $451,200 | $656,200 (+8%) Land $205,000 Building $451,200 | |
| 2025 | $12,510.00 (-4.74%) | $607,600 Land $200,000 Building $407,600 | $607,600 Land $200,000 Building $407,600 |
| 2024 | $13,133.00 | ||
| 2023 | $465,400 Land $190,000 Building $275,400 | $465,400 Land $190,000 Building $275,400 | |
| 2022 | $12,207.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 26 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.
Wildfire risk around 26 Spruce Run 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 96% of the US · lower than 89% 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 267 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 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures