Bergen County and Ramsey Borough property record for 28 Circle End Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,345 sqft · built 1952 |
| Lot Size | 0.826 acres (35,981 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $649,900 (Jan 2019) |
| Tax Bill | $16,723 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Sep 2019 Refinance + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 48-01801-0000-00033 |
| Primary APN | 48-01801-0000-00033 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,345 sqft Living Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 35,981 sqft (0.826 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 28 CIRCLE END DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.826AC |
| Legal Subdivision | OLIVER PARK |
| Legal Block | 1801 |
| Legal Lot Number | 33 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 28 CIRCLE END DR, RAMSEY, NJ 07446-1432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 6, 2024 | Deed of Trust, Mortgage · Line of Credit GEORGIAS OWN CU |
| Sep 9, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 9, 2019 | Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2019 · Amount on Record |
| Deed Sale | Jan 9, 2019 · Amount on Record |
| Prior Sale | Jul 22, 2011 · Amount on Record |
| Deed Document Number | 20192205 |
| Deed Book / Page | 3150 / 1449 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 CIRCLE END DR, RAMSEY, NJ 07446-1432 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 28 CIRCLE END DR, RAMSEY, NJ 07446-1432 |
| Document Number | 0051870411 |
|---|---|
| Date | Mar 6, 2024 |
| Book Page | 5187/411 |
| Instrument | 2024011835 |
| Name | GEORGIAS OWN CU |
|---|---|
| Type | Credit Union |
| Address | ATLANTA, GA 30303 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 28 CIRCLE END DR, RAMSEY, NJ 07446-1432 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0033430164 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 3343/164 |
| Instrument | 19-059315 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 9, 2019 |
| Property Address | 28 CIRCLE END DR, RAMSEY, NJ 07446-1432 |
| Document Number | 0031501449 |
| Book / Page | 3150 / 1449 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 19-002205 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 CIRCLE EBD DR, RAMSEY, NJ 07446-1432 |
| Document Number | 1900220501 |
|---|---|
| Date | Jan 9, 2019 |
| Instrument | 19-002205.01 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0031501449 |
|---|---|
| Date | Jan 9, 2019 |
| Book Page | 3150/1449 |
| Instrument | 19-002205 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
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 | $841,000 (+3.55%) Land $431,400 Building $409,600 | $841,000 (+3.55%) Land $431,400 Building $409,600 | |
| 2025 | $16,723.00 (-6.15%) | $812,200 (+28.63%) Land $406,400 Building $405,800 | $812,200 (+28.63%) Land $406,400 Building $405,800 |
| 2024 | $17,818.00 (+7.59%) | ||
| 2023 | $631,400 Land $321,300 Building $310,100 | $631,400 Land $321,300 Building $310,100 | |
| 2022 | $16,561.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
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.
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 | 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 256 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 |
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