Bergen County and Ramsey Borough property record for 32 Christopher St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,020 sqft · built 1921 |
| Lot Size | 0.211 acres (9,191 sqft) |
| Owner | Individual Name on File |
| Last Sale | $442,000 (Dec 2020) |
| Tax Bill | $9,597 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04808-0000-00013 |
| Primary APN | 48-04808-0000-00013 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,020 sqft Living Area |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Construction Type | Frame |
| Lot Area | 9,191 sqft (0.211 acres) |
| Lot Dimensions | 92 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 32 CHRISTOPHER ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.211AC |
| Legal Subdivision | CLARKE & CHRISTOPHER |
| Legal Block | 4808 |
| Legal Lot Number | 13 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 44202 |
Source: Bergen County and Ramsey Borough records · APN 48-04808-0000-00013
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 | 32 CHRISTOPHER ST, RAMSEY, NJ 07446-1933 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 07, 2020 | Bargain and Sale Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 07, 2020 · Amount on Record |
| Deed Sale | Dec 07, 2020 · Amount on Record |
| Prior Sale | Jul 08, 2015 · Amount on Record |
| Deed Document Number | 2020128766 |
| Deed Book / Page | 3850 / 1924 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 CHRISTOPHER ST, RAMSEY, NJ 07446-1933 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0043850016 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 4385/16 |
| Instrument | 2021147675 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Oct 01, 2050 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 07, 2020 |
| Property Address | 32 CHRISTOPHER ST, RAMSEY, NJ 07446-1933 |
| Document Number | 0038501924 |
| Book / Page | 3850 / 1924 |
| Instrument Date | Aug 22, 2020 |
| Instrument | 20-128766 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,618.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 470 SILVER MAPLE CT, 470, MOUNT WOLF, PA 17347-9695 |
| Name | Verified Name |
|---|---|
| Address | 32 CHRISTOPHER ST, RAMSEY, NJ 07446-1933 |
| Document Number | 20128767 |
|---|---|
| Date | Dec 07, 2020 |
| Instrument | 20-128767 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Sep 01, 2050 |
Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ramsey Borough |
| Unified School District | Ramsey Borough School District (KG - 12) |
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 | $467,800 (+0.36%) Land $281,700 Building $186,100 | $467,800 (+0.36%) Land $281,700 Building $186,100 | |
| 2025 | $9,597.00 (-11.37%) | $466,100 (+21.48%) Land $281,700 Building $184,400 | $466,100 (+21.48%) Land $281,700 Building $184,400 |
| 2024 | $10,828.00 (+7.59%) | ||
| 2023 | $383,700 Land $240,800 Building $142,900 | $383,700 Land $240,800 Building $142,900 | |
| 2022 | $10,064.00 |
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
| 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 Risk | Low lower than 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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.
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.
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 |
| 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.
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