Bergen County and Ramsey Borough property record for 35 Refy Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,366 sqft · built 2006 |
| Lot Size | 0.252 acres (10,977 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $860,000 (Apr 2018) |
| Tax Bill | $23,230 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03404-0000-00005 |
| Primary APN | 48-03404-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,366 sqft Living Area |
| 1st Floor Area | 3,366 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Frame |
| Lot Area | 10,977 sqft (0.252 acres) |
| Street Address | 35 REFY AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.252AC |
| Legal Subdivision | H&T REALTY CO/SEC 1 |
| Legal Block | 3404 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3008 |
| 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 | 35 REFY AVE, RAMSEY, NJ 07446-2434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2022 | Deed of Trust, Mortgage · Line of Credit VAST BANK NA |
| May 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Apr 18, 2018 | Deed with Mortgage, Transfer · Conventional Mortgage NJ LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2018 · Amount on Record |
| Deed Sale | Apr 18, 2018 · Amount on Record |
| Prior Sale | Jul 25, 2008 |
| Deed Document Number | 20182682201 |
| Deed Book / Page | 2915 / 1401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 35 REFY AVE, RAMSEY, NJ 07446-2434 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 35 REFY AVE, RAMSEY, NJ 07446-2434 |
| Document Number | 0048400725 |
|---|---|
| Date | Oct 20, 2022 |
| Book Page | 4840/725 |
| Instrument | 2022101313 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 35 REFY AVE, RAMSEY, NJ 07446-2434 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0041241474 |
|---|---|
| Date | May 6, 2021 |
| Book Page | 4124/1474 |
| Instrument | 2021070353 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 18, 2018 |
| Property Address | 35 REFY AVE, RAMSEY, NJ 07446-2434 |
| Document Number | 0029151401 |
| Book / Page | 002915 / 001401 |
| Instrument Date | Mar 5, 2018 |
| Instrument | 26822 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2018 |
| Title Company | EMPIRE W TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $860.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 35 REFY AVE RAMSEY NJ 074462434, RAMSEY, NJ 07446-2434 |
| Document Number | 29151407 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 002915/001407 |
| Instrument | 26822 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2048 |
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 | $1,141,800 (+1.21%) Land $387,800 Building $754,000 | $1,141,800 (+1.21%) Land $387,800 Building $754,000 | |
| 2025 | $23,230.00 (-8.48%) | $1,128,200 (+31.19%) Land $357,800 Building $770,400 | $1,128,200 (+31.19%) Land $357,800 Building $770,400 |
| 2024 | $25,383.00 (+12.53%) | ||
| 2023 | $860,000 Land $268,900 Building $591,100 | $860,000 Land $268,900 Building $591,100 | |
| 2022 | $22,557.00 |
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 | 1 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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 94% of the US · lower than 85% 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 283 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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