Bergen County and Ramsey Borough property record for 37 White Ter, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,252 sqft · built 1953 |
| Lot Size | 0.177 acres (7,710 sqft) |
| Owner | Company Name on File |
| Tax Bill | $10,038 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04603-0000-00023 |
| Primary APN | 48-04603-0000-00023 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,252 sqft Living Area |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 7,710 sqft (0.177 acres) |
| Lot Dimensions | 103 ft deep x 75 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 37 WHITE TER |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.177AC |
| Legal Block | 4603 |
| Legal Lot Number | 23 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 44202 |
37 White Ter is owned by a company that acquired it in March 2026.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 37 WHITE TER, RAMSEY, NJ 07446-1616 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 20, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage LOAN FUNDER LLC |
| Apr 20, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage LOAN FUNDER LLC |
| Oct 21, 2025 | Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC |
| Aug 30, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 30, 2026 |
| Transfer Doc | 0000025937 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 20, 2026 |
| Property Address | 37 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0000025937 |
| Book / Page | 5775 / 1721 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202625937 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | SAFECO LAND TITLE, SAFE LAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 37 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0000025938, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202625938 |
| Name | LOAN FUNDER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 20, 2026 |
| Property Address | 37 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0057751721 |
| Book / Page | 5775 / 1721 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202625937 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | LAND SAFE TITLE, SAFE LAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 37 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0000025938, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202625938 |
| Name | LOAN FUNDER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 37 WHITE TER, RAMSEY, NJ 07446-1616 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 1208 HILLTOP RD, MAHWAH, NJ 07430-2289 |
| Document Number | 0056260097 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | 5626/97 |
| Instrument | 2025071386 |
| Name | VELOCITY COMMERCIAL CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Commercial Mortgage |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 30, 2022 |
| Property Address | 37 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0047920567 |
| Book / Page | 4792 / 567 |
| Instrument Date | Jul 28, 2022 |
| Instrument | 2022086354 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37 WHITE TER, 37, RAMSEY, NJ 07446-1616 |
| Name | Verified Name |
|---|---|
| Address | 1208 HILLTOP RD, MAHWAH, NJ 07430-2289 |
The 2025 property tax bill for 37 White Ter was $10,038, down 1.5% from the year before.
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 | $524,400 (+7.57%) Land $321,600 Building $202,800 | $524,400 (+7.57%) Land $321,600 Building $202,800 | |
| 2025 | $10,038.00 (-1.46%) | $487,500 Land $286,600 Building $200,900 | $487,500 Land $286,600 Building $200,900 |
| 2024 | $10,187.00 | ||
| 2023 | $361,000 Land $248,300 Building $112,700 | $361,000 Land $248,300 Building $112,700 | |
| 2022 | $8,969.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 37 White Ter in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.
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 File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 9 (1990–2021) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 37 White Ter is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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