38 Spruce Run, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 38 Spruce Run, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	1,836 sqft · built 1983
Lot Size	0.023 acres (1,017 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Mar 2021)
Tax Bill	$11,580 (2025)
Deeds & Mortgages	Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-04905-0000-00042-0000-C0038`

Property Details

APN / Parcel Number

Primary APN	`48-04905-0000-00042-0000-C0038`
Alternative APN	`4804905000000042C0038`

Interior

Stories	2 Stories
Building Area	1,836 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Condo/Apartment
Construction Type	Frame
Lot Area	1,017 sqft (0.023 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	38 SPRUCE RUN
City	RAMSEY
State	NJ
Zip	07446-2562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SPRUCE RUN
Legal Block	4905
Legal Lot Number	42
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	2
Census Block	2004
Census Tract	44201

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	38 SPRUCE RUN, RAMSEY, NJ 07446-2562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Mar 9, 2012 · Amount on Record
Deed Document Number	202142277
Deed Book / Page	4032 / 1936
Record Updated	Sep 20, 2026

March 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 24, 2021
Property Address	38 SPRUCE RUN, RAMSEY, NJ 07446-2562
Document Number	0040321936
Book / Page	4032 / 1936
Map Reference	MB 6708 PG 364
Instrument Date	Jan 1, 2021
Instrument	2021042277
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$2,011.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 SPRUCE RUN, 38, RAMSEY, NJ 07446-2562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SPRUCE RUN, RAMSEY, NJ 07446-2562

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$570,700 (+1.48%) Land $205,000 Building $365,700	$570,700 (+1.48%) Land $205,000 Building $365,700
2025	$11,580.00 (-6.03%)	$562,400 (+28.78%) Land $200,000 Building $362,400	$562,400 (+28.78%) Land $200,000 Building $362,400
2024	$12,323.00 (+7.59%)
2023		$436,700 Land $190,000 Building $246,700	$436,700 Land $190,000 Building $246,700
2022	$11,454.00

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	6 (1983–2021)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 Risk	Low lower than 96% of the US · lower than 89% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 267 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