Bergen County and Ramsey Borough property record for 31 Biscayne Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,844 sqft · built 1970 |
| Lot Size | 0.326 acres (14,201 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $640,000 (Apr 2021) |
| Tax Bill | $15,132 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-05405-0000-00033 |
| Primary APN | 48-05405-0000-00033 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,844 sqft Living Area |
| 1st Floor Area | 1,844 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Construction Type | Frame |
| Lot Area | 14,201 sqft (0.326 acres) |
| Lot Dimensions | 139 ft deep x 102 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 31 BISCAYNE DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.326AC |
| Legal Subdivision | LUTZ BROS INC |
| Legal Block | 5405 |
| Legal Lot Number | 33 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 44201 |
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 | 31 BISCAYNE DR, RAMSEY, NJ 07446-2630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WEICHERT FINANCIAL SERVICES |
| May 26, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2021 · Amount on Record |
| Deed Sale | Apr 30, 2021 · Amount on Record |
| Deed Document Number | 202168275 |
| Deed Book / Page | 4117 / 750 |
| Prior Transfer Date | Mar 12, 2020 |
| Prior Transfer Doc | 0036060435 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 31 BISCAYNE DR, RAMSEY, NJ 07446-2630 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0051341409 |
|---|---|
| Date | Dec 1, 2023 |
| Book Page | 5134/1409 |
| Instrument | 2023077339 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 17, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 31 BISCAYNE DR, RAMSEY, NJ 07446-2630 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0041170757 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 4117/757 |
| Instrument | 2021068276 |
| Name | WEICHERT FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | MORRIS PLAINS, NJ 07950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 26, 2020 |
| Property Address | 31 BISCAYNE DR, RAMSEY, NJ 07446-2630 |
| Document Number | 0036060435 |
| Book / Page | 003606 / 000435 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 20051775 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31 BISCAYNE DR RAMSEY NJ 074462630, RAMSEY, NJ 07446-2630 |
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 | $743,200 (+1.13%) Land $348,500 Building $394,700 | $743,200 (+1.13%) Land $348,500 Building $394,700 | |
| 2025 | $15,132.00 (-8.01%) | $734,900 (+26.08%) Land $338,500 Building $396,400 | $734,900 (+26.08%) Land $338,500 Building $396,400 |
| 2024 | $16,449.00 (+7.59%) | ||
| 2023 | $582,900 Land $324,300 Building $258,600 | $582,900 Land $324,300 Building $258,600 | |
| 2022 | $15,289.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 9 (1978–2021) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 97% of the US · lower than 92% 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 352 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 |
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