Bergen County and Ramsey Borough property record for 398 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,098 sqft · built 1973 |
| Lot Size | 0.353 acres (15,377 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $774,000 (Apr 2005) |
| Tax Bill | $25,289 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01303-0000-00016 |
| Primary APN | 48-01303-0000-00016 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,098 sqft Living Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Lot Area | 15,377 sqft (0.353 acres) |
| Lot Dimensions | 125 ft deep x 123 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 398 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.353AC |
| Legal Block | 1303 |
| Legal Lot Number | 16 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough records, as of June 29, 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 | 398 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2021 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| May 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2005 · Amount on Record |
| Deed Sale | Apr 6, 2005 · Amount on Record |
| Prior Sale | Sep 19, 1994 · Amount on Record |
| Deed Book / Page | 8797 / 247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 398 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0044960743 |
|---|---|
| Date | Dec 17, 2021 |
| Book Page | 4496/743 |
| Instrument | 2021182060 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 27, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 398 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0041351400 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 4135/1400 |
| Instrument | 2021073764 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Oct 1, 2050 |
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 | $1,200,700 (-2.24%) Land $446,200 Building $754,500 | $1,200,700 (-2.24%) Land $446,200 Building $754,500 | |
| 2025 | $25,289.00 (-6.57%) | $1,228,200 (+28.04%) Land $446,200 Building $782,000 | $1,228,200 (+28.04%) Land $446,200 Building $782,000 |
| 2024 | $27,068.00 (+7.59%) | ||
| 2023 | $959,200 Land $367,700 Building $591,500 | $959,200 Land $367,700 Building $591,500 | |
| 2022 | $25,159.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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