Bergen County and Ramsey Borough property record for 406 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,720 sqft · built 1973 |
| Lot Size | 0.353 acres (15,377 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $675,000 (Oct 2011) |
| Tax Bill | $22,482 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01303-0000-00017 |
| Primary APN | 48-01303-0000-00017 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,720 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 | 406 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 | 17 |
| 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 | 406 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2011 · Amount on Record |
| Deed Sale | Oct 6, 2011 · Amount on Record |
| Deed Document Number | 20118491248 |
| Deed Book / Page | 849 / 1248 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 406 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2022 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0045260647 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 4526/647 |
| Instrument | 2022003292 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 406 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | VAN NATTA TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0038381813 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 3838/1813 |
| Instrument | 20-125301 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 114 Months |
| Due | May 1, 2030 |
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 | $1,097,900 (+0.55%) Land $446,200 Building $651,700 | $1,097,900 (+0.55%) Land $446,200 Building $651,700 | |
| 2025 | $22,482.00 (-4.59%) | $1,091,900 (+31.55%) Land $446,200 Building $645,700 | $1,091,900 (+31.55%) Land $446,200 Building $645,700 |
| 2024 | $23,563.00 (+8.24%) | ||
| 2023 | $830,000 Land $367,700 Building $462,300 | $830,000 Land $367,700 Building $462,300 | |
| 2022 | $21,770.00 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures