Bergen County and Ramsey Borough property record for 386 N Central Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,592 sqft · built 1925 |
| Lot Size | 0.402 acres (17,511 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $553,900 (Dec 2007) |
| Tax Bill | $14,051 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01504-0000-00003 |
| Primary APN | 48-01504-0000-00003 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,592 sqft Living Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Construction Type | Frame |
| Lot Area | 17,511 sqft (0.402 acres) |
| Lot Dimensions | 250 ft deep x 70 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 386 N CENTRAL AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.402AC |
| Legal Block | 1504 |
| Legal Lot Number | 3 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 44202 |
386 N Central Ave is owned and occupied by two individuals who bought it in December 2007.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 386 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 26, 2022 | Deed of Trust, Mortgage · Line of Credit VISIONS FCU |
| Sep 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2007 · Amount on File |
| Deed Sale | Dec 28, 2007 · Amount on File |
| Deed Document Number | 2007138536 |
| Deed Book / Page | 9471 / 199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 386 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 386 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Document Number | 0048460058 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | 4846/58 |
| Instrument | 2022103264 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 19, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 386 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0043790654 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | 4379/654 |
| Instrument | 2021146010 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 386 N Central Ave was $14,051, up 9.7% 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 | $705,900 (+3.44%) Land $324,200 Building $381,700 | $705,900 (+3.44%) Land $324,200 Building $381,700 | |
| 2025 | $14,051.00 (+9.72%) | $682,400 Land $304,200 Building $378,200 | $682,400 Land $304,200 Building $378,200 |
| 2024 | $12,806.00 | ||
| 2023 | $453,800 Land $253,100 Building $200,700 | $453,800 Land $253,100 Building $200,700 | |
| 2022 | $11,903.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 386 N Central Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 | 6 in force |
| Nearby Flood Claims | 3 (1979–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 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 risk around 386 N Central Ave 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 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.
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 272 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 |
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