Bergen County and Ramsey Borough property record for 36 Timber Trl, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 4,598 sqft · built 1977 |
| Lot Size | 0.735 acres (32,017 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,200,000 (Dec 2025) |
| Tax Bill | $26,989 (2025) |
| Deeds & Mortgages | Sep 2024 Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03002-0000-00045 |
| Primary APN | 48-03002-0000-00045 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,598 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Frame |
| Lot Area | 32,017 sqft (0.735 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 36 TIMBER TRL |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 0.735AC |
| Legal Subdivision | TEL OREN |
| Legal Block | 3002 |
| Legal Lot Number | 45 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3007 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 36 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 30, 2024 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 13, 2025 | Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2025 · Amount on Record |
| Deed Sale | Dec 13, 2025 · Amount on Record |
| Prior Sale | Feb 17, 2011 · Amount on Record |
| Deed Document Number | 202586715 |
| Deed Book / Page | 5676 / 602 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 36 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 36 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 0053330315 |
|---|---|
| Date | Sep 30, 2024 |
| Book Page | 5333/315 |
| Instrument | 2024058344 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 13, 2025 |
| Property Address | 36 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 0056760602 |
| Book / Page | 5676 / 602 |
| Instrument Date | Nov 7, 2025 |
| Instrument | 2025086715 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 146 CORTLAND DR, SADDLE RIVER, NJ 07458-2818 |
| Name | Verified Name |
|---|---|
| Address | 36 TIMBER TRL, RAMSEY, NJ 07446-2124 |
| Document Number | 2025086716 |
|---|---|
| Date | Dec 13, 2025 |
| Instrument | 2025086716 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
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 | $1,253,400 (-4.38%) Land $444,100 Building $809,300 | $1,253,400 (-4.38%) Land $444,100 Building $809,300 | |
| 2025 | $26,989.00 (+5.61%) | $1,310,800 (+44.74%) Land $444,100 Building $866,700 | $1,310,800 (+44.74%) Land $444,100 Building $866,700 |
| 2024 | $25,556.00 (+7.59%) | ||
| 2023 | $905,600 Land $336,800 Building $568,800 | $905,600 Land $336,800 Building $568,800 | |
| 2022 | $23,753.00 |
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 Claims | 1 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1980 · tidal / storm surge |
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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 143 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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