Bergen County and Ramsey Borough property record for 4 Clearwater Rd, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,753 sqft · built 1972 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $18,743 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01502-0000-00002 |
| Primary APN | 48-01502-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,753 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Frame |
| Lot Area | 14,375 sqft (0.33 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 4 CLEARWATER RD |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.330AC |
| Legal Block | 1502 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 44202 |
4 Clearwater Rd is owned and occupied by two individuals who acquired it in March 2000.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 CLEARWATER RD, RAMSEY, NJ 07446-1002 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 2, 2000 |
| Transfer Doc | 0000032836 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 4 Clearwater Rd was $18,743, down 4.7% 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 | $933,900 (+2.59%) Land $348,800 Building $585,100 | $933,900 (+2.59%) Land $348,800 Building $585,100 | |
| 2025 | $18,743.00 (-4.73%) | $910,300 Land $323,800 Building $586,500 | $910,300 Land $323,800 Building $586,500 |
| 2024 | $19,674.00 | ||
| 2023 | $697,200 Land $249,500 Building $447,700 | $697,200 Land $249,500 Building $447,700 | |
| 2022 | $18,287.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Clearwater Rd 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.
The area around 4 Clearwater Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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