Bergen County and Ramsey Borough property record for 345 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,113 sqft · built 1978 |
| Lot Size | 0.599 acres (26,092 sqft) |
| Owner | Company Name on Record |
| Last Sale | $825,000 (Oct 2010) |
| Tax Bill | $26,335 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01310-0000-00002-02 |
| Primary APN | 48-01310-0000-00002-02 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,113 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Lot Area | 26,092 sqft (0.599 acres) |
| Lot Dimensions | 199 ft deep x 131 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 48013100000000022 |
|---|---|
| Street Address | 345 ELBERT ST |
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.599AC |
| Legal Block | 1310 |
| Legal Lot Number | 2.2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 345 ELBERT ST, RAMSEY, NJ 07446-1007 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2010 · Amount on Record |
| Deed Sale | Oct 5, 2010 · Amount on Record |
| Prior Sale | Jul 28, 2004 · Amount on Record |
| Deed Document Number | 20105431512 |
| Deed Book / Page | 543 / 1512 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 345 ELBERT ST, RAMSEY, NJ 07446-1007 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040191641 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 4019/1641 |
| Instrument | 2021038218 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2051 |
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 | $1,282,200 (+0.25%) Land $460,100 Building $822,100 | $1,282,200 (+0.25%) Land $460,100 Building $822,100 | |
| 2025 | $26,335.00 (-0.81%) | $1,279,000 (+35.95%) Land $460,100 Building $818,900 | $1,279,000 (+35.95%) Land $460,100 Building $818,900 |
| 2024 | $26,549.00 (+7.59%) | ||
| 2023 | $940,800 Land $379,200 Building $561,600 | $940,800 Land $379,200 Building $561,600 | |
| 2022 | $24,677.00 |
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 |
| 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 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 272 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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