Bergen County and Ramsey Borough property record for 398 N Central Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,397 sqft · built 1960 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $440,000 (Apr 2018) |
| Tax Bill | $11,032 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01504-0000-00001 |
| Primary APN | 48-01504-0000-00001 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,397 sqft Living Area |
| 1st Floor Area | 1,397 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 250 ft deep x 60 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 398 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 | 0.344AC |
| Legal Block | 1504 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 44202 |
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 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GET A RATE LLC |
| Oct 11, 2019 | Deed of Trust, Mortgage GET A RATE LLC |
| Apr 7, 2018 | Grant Deed, Transfer · Conventional with PMI GET A RATE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2018 · Amount on Record |
| Deed Sale | Apr 7, 2018 · Amount on Record |
| Prior Sale | Mar 19, 2008 · Amount on Record |
| Deed Document Number | 201818-023131 |
| Deed Book / Page | 2901 / 2358 |
| Prior Transfer Date | Nov 30, 1998 |
| Prior Transfer Doc | 0000017759 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 26, 2026 |
| Property Address | 398 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Document Number | 0000034420 |
| Book / Page | 5803 / 1480 |
| Instrument Date | May 5, 2026 |
| Instrument | 202634420 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 398 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Investor | Possibly a Property Investor |
| Document Number | 0000034420, |
|---|---|
| Date | May 26, 2026 |
| Book Page | 5803/1480 |
| Instrument | 202634420 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 398 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0041270882 |
|---|---|
| Date | May 6, 2021 |
| Book Page | 4127/882 |
| Instrument | 2021071151 |
| Name | GET A RATE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HACKENSACK, NJ 07601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 398 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Document Number | 0033860446 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | ELITE TITLE GROUP LLC, ELITE TITLE GRP LLC |
| Name | Verified Name |
|---|---|
| Address | 398 N CENTRAL AVE RAMSEY NJ 074461418, RAMSEY, NJ 07446-1418 |
| Document Number | 0033860446 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 003386/000446 |
| Instrument | 71815 |
| Name | GET A RATE LLC |
|---|---|
| Address | HACKENSACK, NJ 07601 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 23, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 7, 2018 |
| Property Address | 398 N CENTRAL AVE, RAMSEY, NJ 07446-1418 |
| Document Number | 0029012358 |
| Book / Page | 002901 / 002358 |
| Instrument Date | Mar 1, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2018 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $440.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 398 N CENTRAL AVE RAMSEY NJ 074461418, RAMSEY, NJ 07446-1418 |
| Document Number | 29012364 |
|---|---|
| Date | Apr 7, 2018 |
| Book Page | 002901/002364 |
| Name | GET A RATE LLC |
|---|---|
| Address | 200 RIVERFRONT BLVD # 1ST, ELMWOOD PARK, NJ 07407-1037 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 6, 2048 |
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 | $558,000 (+4.14%) Land $319,800 Building $238,200 | $558,000 (+4.14%) Land $319,800 Building $238,200 | |
| 2025 | $11,032.00 (-2.27%) | $535,800 (+33.95%) Land $299,800 Building $236,000 | $535,800 (+33.95%) Land $299,800 Building $236,000 |
| 2024 | $11,288.00 (+7.59%) | ||
| 2023 | $400,000 Land $250,200 Building $149,800 | $400,000 Land $250,200 Building $149,800 | |
| 2022 | $10,492.00 |
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 |
| 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.
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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