39 Upland Rd, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 39 Upland Rd, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	4,890 sqft · built 2022
Lot Size	0.924 acres (40,249 sqft)
Owner	Company Name on Record
Last Sale	$650,000 (May 2021)
Tax Bill	$38,660 (2025)
Deeds & Mortgages	Dec 2021 Construction Loan Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-01701-0000-00003-01`

Property Details

APN / Parcel Number

Primary APN	`48-01701-0000-00003-01`
Alternative APN	`4801701000000003`

Interior

Stories	1 Story
Building Area	4,890 sqft Living Area
1st Floor Area	4,890 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	40,249 sqft (0.924 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4801701000000003
Street Address	39 UPLAND RD
City	RAMSEY
State	NJ
Zip	07446-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.9240AC
Legal Subdivision	B GIVEN & F & P SCARFI
Legal Block	1701
Legal Lot Number	3.01
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1010
Census Tract	44100

Owner

Source: Bergen County and Ramsey Borough records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	39 UPLAND RD, RAMSEY, NJ 07446-1320
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK NA
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
May 19, 2021	Bargain and Sale Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2021 · Amount on Record
Deed Sale	May 19, 2021 · Amount on Record
Prior Sale	Jan 8, 2015 · Amount on Record
Deed Document Number	202180025
Deed Book / Page	4156 / 312
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	39 UPLAND RD, RAMSEY, NJ 07446-1320
Transaction Type	Mortgage
Record Updated	Apr 12, 2024
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045111323
Date	Dec 28, 2021
Book Page	4511/1323
Instrument	2021187296

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 1, 2022

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	39 UPLAND RD, RAMSEY, NJ 07446-1320
Transaction Type	Mortgage
Record Updated	Apr 12, 2024
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045111349
Date	Dec 28, 2021
Book Page	4511/1349
Instrument	2021187297

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

May 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	May 19, 2021
Property Address	39 UPLAND RD, RAMSEY, NJ 07446-1320
Document Number	0041560312
Book / Page	4156 / 312
Instrument Date	Apr 1, 2021
Instrument	2021080025
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$5,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44 UPLAND RD, RAMSEY, NJ 07446-1321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 DAVIDSON AVE, RAMSEY, NJ 07446-1466

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		$1,819,700 (-3.08%) Land $455,300 Building $1,364,400	$1,819,700 (-3.08%) Land $455,300 Building $1,364,400
2025	$38,660.00 (-0.69%)	$1,877,600 (+36.11%) Land $455,300 Building $1,422,300	$1,877,600 (+36.11%) Land $455,300 Building $1,422,300
2024	$38,929.00 (+328.83%)
2023		$1,379,500 Land $346,100 Building $1,033,400	$1,379,500 Land $346,100 Building $1,033,400
2022	$9,078.00

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

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 97% of the US · lower than 92% 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 172 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

May also be available: T-Mobile.

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