Bergen County and Ramsey Borough property record for 403 S Central Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,947 sqft · built 1955 |
| Lot Size | 0.737 acres (32,104 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Mar 1996) |
| Tax Bill | $25,408 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03301-0000-00034 |
| Primary APN | 48-03301-0000-00034 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,947 sqft Living Area |
| 1st Floor Area | 3,947 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Frame |
| Lot Area | 32,104 sqft (0.737 acres) |
| Lot Dimensions | 321 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 403 S CENTRAL AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.737AC |
| Legal Subdivision | JEMIMA MAY |
| Legal Block | 3301 |
| Legal Lot Number | 34 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4013 |
| 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 | 403 S CENTRAL AVE, RAMSEY, NJ 07446-2441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2021 | Deed of Trust, Mortgage · Commercial Mortgage VAST BANK NA |
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Feb 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 1996 · Amount on Record |
| Deed Sale | Mar 4, 1996 · Amount on Record |
| Deed Book / Page | 7859 / 91 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 403 S CENTRAL AVE, RAMSEY, NJ 07446-2441 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 403 S CENTRAL AVE, RAMSEY, NJ 07446-2441 |
| Document Number | 0042891494 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 4289/1494 |
| Instrument | 2021118615 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 403 S CENTRAL AVE, RAMSEY, NJ 07446-2441 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042311443 |
|---|---|
| Date | Jun 23, 2021 |
| Book Page | 4231/1443 |
| Instrument | 2021101241 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 403 S CENTRAL AVE, RAMSEY, NJ 07446-2441 |
| Document Number | 0025391195 |
| Book / Page | 002539 / 001195 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2017 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 403 S CENTRAL AVE RAMSEY NJ 074462441, RAMSEY, NJ 07446-2441 |
| Document Number | 0025391195 |
|---|---|
| Date | Feb 17, 2017 |
| Book Page | 002539/001195 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 16, 2047 |
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 | $1,262,400 (+2.3%) Land $349,300 Building $913,100 | $1,262,400 (+2.3%) Land $349,300 Building $913,100 | |
| 2025 | $25,408.00 (+5.92%) | $1,234,000 (+45.18%) Land $329,300 Building $904,700 | $1,234,000 (+45.18%) Land $329,300 Building $904,700 |
| 2024 | $23,987.00 (+7.59%) | ||
| 2023 | $850,000 Land $269,900 Building $580,100 | $850,000 Land $269,900 Building $580,100 | |
| 2022 | $22,295.00 |
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 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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