Bergen County and Ramsey Borough property record for 31 Arch St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,352 sqft · built 1928 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Company Name on Record |
| Last Sale | $750,000 (Apr 2022) |
| Tax Bill | $19,231 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04810-0000-00012 |
| Primary APN | 48-04810-0000-00012 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,352 sqft Living Area |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 175 ft deep x 50 ft wide |
| Street Address | 31 ARCH ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B1 |
| Legal Description | 0.220AC |
| Legal Block | 4810 |
| Legal Lot Number | 12 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 44202 |
Source: Bergen County and Ramsey Borough records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 31 ARCH ST, RAMSEY, NJ 07446-1913 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| May 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ML FINANCIAL LLC |
| Mar 11, 2024 | Deed of Trust, Mortgage · Commercial Mortgage THE W B C V FAMILY TRUST |
| Nov 23, 2022 | Deed of Trust, Mortgage · Line of Credit ARCHWAY 31 LLC |
| Apr 4, 2022 | Deed, Transfer · Commercial Mortgage HARD MONEY NJ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2022 · Amount on Record |
| Deed Sale | Apr 4, 2022 · Amount on Record |
| Deed Document Number | 202238565 |
| Deed Book / Page | 4642 / 101 |
| Prior Transfer Date | Dec 20, 2013 |
| Prior Transfer Doc | 0015930664 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 8, 2026 |
| Property Address | 31 ARCH ST, RAMSEY, NJ 07446-1913 |
| Document Number | 0000030954 |
| Book / Page | 5792 / 729 |
| Instrument Date | Jan 21, 2026 |
| Instrument | 202630954 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000030954, |
|---|---|
| Date | May 8, 2026 |
| Book Page | 5792/729 |
| Instrument | 202630954 |
| Name | ML FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.18% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 31 ARCH ST, RAMSEY, NJ 07446-1913 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0051901635 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | 5190/1635 |
| Instrument | 2024013068 |
| Name | THE W B C V FAMILY TRUST |
|---|---|
| Type | Private Party |
| Address | 4260 S AVENIDA LOS REYES, TUCSON, AZ 85730 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 31 ARCH ST, RAMSEY, NJ 07446-1913 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6401 CONGRESS AVE 215, 215, BOCA RATON, FL 33487-2841 |
| Document Number | 0048680763 |
|---|---|
| Date | Nov 23, 2022 |
| Book Page | 4868/763 |
| Instrument | 2022110177 |
| Name | ARCHWAY 31 LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | RIDGEWOOD, NJ 07450 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 4, 2022 |
| Property Address | 31 ARCH ST, RAMSEY, NJ 07446-1913 |
| Document Number | 0046420101 |
| Book / Page | 4642 / 101 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 2022038565 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2022 |
| Title Company | NOT AVAILABLE, MAIN STREET TTL & STLMT SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 430 ALPINE TER, 430, RIDGEWOOD, NJ 07450-1406 |
| Name | Verified Name |
|---|---|
| Address | 31 ARCH ST, RAMSEY, NJ 07446-1913 |
| Document Number | 2022038566 |
|---|---|
| Date | Apr 4, 2022 |
| Instrument | 2022038566 |
| Name | HARD MONEY NJ LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| 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 | $974,800 (+4.37%) Land $224,400 Building $750,400 | $974,800 (+4.37%) Land $224,400 Building $750,400 | |
| 2025 | $19,231.00 (-15.11%) | $934,000 (+16.34%) Land $190,400 Building $743,600 | $934,000 (+16.34%) Land $190,400 Building $743,600 |
| 2024 | $22,655.00 (+7.59%) | ||
| 2023 | $802,800 Land $255,000 Building $547,800 | $802,800 Land $255,000 Building $547,800 | |
| 2022 | $21,057.00 |
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 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 (1979–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 1984 · tidal / storm surge |
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 | Not rated no burnable land within 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 373 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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