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366 N Central Ave, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 366 N Central Ave, Ramsey, NJ 07446

Property Summary

Property TypeSingle Family Home
Details1,638 sqft · built 1929
Lot Size0.402 acres (17,511 sqft)
Owner2 Individual Names on Record
Last Sale$555,000 (Aug 2021)
Tax Bill$12,760 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Dec 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN48-01504-0000-00007

Property Details

APN / Parcel Number

Primary APN48-01504-0000-00007
Alternative APN
  • 480150400007

Interior

Stories2 Stories
Building Area1,638 sqft Living Area

Exterior

Year BuiltBuilt 1929
Effective Year BuiltEffective 1929
Construction TypeFrame
Lot Area17,511 sqft (0.402 acres)
Lot Dimensions250 ft deep x 70 ft wide
Parking Spaces1 Parking Space

Location & Zoning

Street Address366 N CENTRAL AVE
CityRAMSEY
StateNJ
Zip07446-1418
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal Description0.402AC
Legal Block1504
Legal Lot Number7
JurisdictionBERGEN NJ
Township / Civil DivisionRAMSEY
Census Block Group2
Census Block2002
Census Tract44202

Owner

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 Record2 Individual Names on Record
Mailing Address366 N CENTRAL AVE, RAMSEY, NJ 07446-1418
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2021Bargain and Sale Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
Dec 7, 2017Deed of Trust, Mortgage
CARDINAL FIN'L

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 19, 2021 · Amount on Record
Deed SaleAug 19, 2021 · Amount on Record
Prior SaleAug 20, 2016 · Amount on Record
Deed Document Number2021133491
Deed Book / Page4337 / 1981
Record UpdatedSep 20, 2026

August 2021: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionBERGEN NJ
Recording DateAug 19, 2021
Property Address366 N CENTRAL AVE, RAMSEY, NJ 07446-1418
Document Number0043371981
Book / Page4337 / 1981
Instrument DateJul 21, 2021
Instrument2021133491
Transaction TypeTransfer
Record UpdatedOct 15, 2021
Title CompanyCARNEGIE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,708.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address414 MAID OF THE MIST DR, 414, FERN PARK, FL 32730-2623

Transferred To (Grantee/Buyer)

NameVerified Name
Address366 N CENTRAL AVE, RAMSEY, NJ 07446-1418

Mortgage

Document Number2021133492
DateAug 19, 2021
Instrument2021133492
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2051

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address366 N CENTRAL AVE, RAMSEY, NJ 07446-1418
Document Number0028161320
Book / Page002816 / 001320
Instrument DateDec 7, 2017
Transaction TypeMortgage
Record UpdatedJan 3, 2018
Title CompanyADVANTAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address366 N CENTRAL AVE RAMSEY NJ 074461418, RAMSEY, NJ 07446-1418

Mortgage

Document Number0028161320
DateDec 20, 2017
Book Page002816/001320
Lender
NameCARDINAL FIN'L
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
AmountAmount Recorded
Term360 Months
DueDec 19, 2047

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityRamsey Borough
Unified School DistrictRamsey Borough School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$653,600 (+5.47%) Land $324,200 Building $329,400$653,600 (+5.47%) Land $324,200 Building $329,400
2025$12,760.00 (-7.23%)$619,700 (+27.14%) Land $304,200 Building $315,500$619,700 (+27.14%) Land $304,200 Building $315,500
2024$13,754.00 (+7.59%)
2023$487,400 Land $253,100 Building $234,300$487,400 Land $253,100 Building $234,300
2022$12,784.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims3 (1979–1984)
Claims Outside the SFHA3 of 3
Most Recent ClaimMay 1984 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 89% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemRAMSEY WATER DEPT
serves 15,207 people · EPA ID NJ0248001
Water SourcePurchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK
Last State InspectionFeb 2026
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 272 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber		2,300 / 2,300

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