31 Christopher St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 31 Christopher St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,264 sqft · built 1920
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (May 2009)
Tax Bill	$15,158 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-04807-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`48-04807-0000-00003`
Alternative APN	`480480700003`

Interior

Stories	1 Story
Building Area	2,264 sqft Living Area
1st Floor Area	2,264 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	31 CHRISTOPHER ST
City	RAMSEY
State	NJ
Zip	07446-1932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.230AC
Legal Block	4807
Legal Lot Number	3
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	3
Census Block	3007
Census Tract	44202

Owner

Source: Bergen County and Ramsey Borough records · APN 48-04807-0000-00003

Assessment roll updated June 29, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	31 CHRISTOPHER ST, RAMSEY, NJ 07446-1932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 29, 2009 · Amount on Record
Deed Sale	May 29, 2009 · Amount on Record
Prior Sale	Jul 02, 1999 · Amount on Record
Deed Document Number	20091240331
Deed Book / Page	124 / 331
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	31 CHRISTOPHER ST, RAMSEY, NJ 07446-1932
Document Number	0036180262
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	PRESTIGE TITLE AGENCY INC, PRESTIGE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 CHRISTOPHER ST RAMSEY NJ 074461932, RAMSEY, NJ 07446-1932

Mortgage

Document Number	0036180262
Date	Jun 08, 2020
Book Page	003618/000262
Instrument	20056157

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 07, 2050

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$740,400 (+0.57%) Land $284,500 Building $455,900	$740,400 (+0.57%) Land $284,500 Building $455,900
2025	$15,158.00 (+3.22%)	$736,200 (+41.47%) Land $284,500 Building $451,700	$736,200 (+41.47%) Land $284,500 Building $451,700
2024	$14,685.00 (+7.58%)
2023		$520,400 Land $242,300 Building $278,100	$520,400 Land $242,300 Building $278,100
2022	$13,650.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007 · rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 373 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	RAMSEY WATER DEPT serves 15,207 people
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

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.