Bergen County and Ramsey Borough property record for 27 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,167 sqft · built 1983 |
| Lot Size | 0.023 acres (1,017 sqft) |
| Owner | Individual Name on File |
| Last Sale | $565,000 (Jun 2023) |
| Tax Bill | $12,037 (2025) |
| Deeds & Mortgages | Jun 2023 Sale Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0027 |
| Primary APN | 48-04905-0000-00042-0000-C0027 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,167 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,017 sqft (0.023 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 27 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PROSPECT PARK |
| Legal Block | 4905 |
| Legal Lot Number | 42 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 44201 |
27 Spruce Run is owned and occupied by an individual who bought it in June 2023.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 27 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Jun 5, 2023 | Deed, Transfer NOT AVAILABLE, NORTHERN NEW JERSEY TITLE |
| Jul 25, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2023 · Amount on File |
| Deed Sale | Jun 5, 2023 · Amount on File |
| Prior Sale | Aug 5, 2015 · Amount on File |
| Deed Document Number | 202336582 |
| Deed Book / Page | 5006 / 1916 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 5, 2023 |
| Property Address | 27 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Document Number | 0050061916 |
| Book / Page | 5006 / 1916 |
| Instrument Date | May 26, 2023 |
| Instrument | 2023036582 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2023 |
| Title Company | NOT AVAILABLE, NORTHERN NEW JERSEY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,219.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Name | Verified Name |
|---|---|
| Address | 27 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 27 SPRUCE RUN, RAMSEY, NJ 07446-2560 |
| Document Number | 0030560924 |
| Instrument Date | Jul 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 27 SPRUCE RUN RAMSEY NJ 074462560, RAMSEY, NJ 07446-2560 |
| Document Number | 0030560924 |
|---|---|
| Date | Sep 18, 2018 |
| Book Page | 003056/000924 |
| Instrument | 66525 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28225 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 27 Spruce Run was $12,037, down 6.4% 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 | $593,100 (+1.45%) Land $205,000 Building $388,100 | $593,100 (+1.45%) Land $205,000 Building $388,100 | |
| 2025 | $12,037.00 (-6.44%) | $584,600 Land $200,000 Building $384,600 | $584,600 Land $200,000 Building $384,600 |
| 2024 | $12,865.00 | ||
| 2023 | $455,900 (-) Land $190,000 Building $265,900 | $455,900 (-) Land $190,000 Building $265,900 | |
| 2022 | $11,958.00 (+1.28%) | $455,900 Land $190,000 Building $265,900 | $455,900 Land $190,000 Building $265,900 |
| 2021 | $11,807.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 27 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 27 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 |
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