397 Elbert St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 397 Elbert St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	3,170 sqft · built 1910
Lot Size	0.387 acres (16,858 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jun 2022)
Tax Bill	$19,740 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-01302-0000-00011-02`

Property Details

APN / Parcel Number

Primary APN	`48-01302-0000-00011-02`
Alternative APN	`4801302000000011`

Interior

Stories	2 Stories
Building Area	3,170 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	16,858 sqft (0.387 acres)
Lot Dimensions	125 ft deep x 135 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4801302000000011
Street Address	397 ELBERT ST
City	RAMSEY
State	NJ
Zip	07446-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	0.387AC
Legal Block	1302
Legal Lot Number	11.02
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1003
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	2 Individual Names on Record
Mailing Address	397 ELBERT ST, RAMSEY, NJ 07446-1008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2022 · Amount on Record
Deed Sale	Jun 27, 2022 · Amount on Record
Prior Sale	Dec 18, 2000
Deed Document Number	202264360
Deed Book / Page	4723 / 173
Record Updated	Oct 29, 2026

June 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 27, 2022
Property Address	397 ELBERT ST, RAMSEY, NJ 07446-1008
Document Number	0047230173
Book / Page	4723 / 173
Instrument Date	Apr 1, 2022
Instrument	2022064360
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,670.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 BUFF LN, 46, HILLSDALE, NJ 07642-1101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 ELBERT ST, RAMSEY, NJ 07446-1008

Mortgage

Document Number	2022064361
Date	Jun 27, 2022
Instrument	2022064361

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2052

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		$963,400 (+0.49%) Land $448,200 Building $515,200	$963,400 (+0.49%) Land $448,200 Building $515,200
2025	$19,740.00 (-1.2%)	$958,700 (+35.41%) Land $448,200 Building $510,500	$958,700 (+35.41%) Land $448,200 Building $510,500
2024	$19,979.00 (+7.59%)
2023		$708,000 Land $369,400 Building $338,600	$708,000 Land $369,400 Building $338,600
2022	$18,570.00

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
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 95% of the US · lower than 87% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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