Bergen County and Ramsey Borough property record for 42 E Oak St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,204 sqft · built 1958 |
| Lot Size | 0.213 acres (9,278 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $589,900 (Mar 2019) |
| Tax Bill | $16,264 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03203-0000-00002 |
| Primary APN | 48-03203-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,204 sqft Living Area |
| 1st Floor Area | 2,204 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Construction Type | Frame |
| Lot Area | 9,278 sqft (0.213 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 42 E OAK ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.213AC |
| Legal Subdivision | RAMSEY GARDENS MAP A |
| Legal Block | 3203 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4009 |
| 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 | 42 E OAK ST, RAMSEY, NJ 07446-2330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Feb 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 10, 2020 | Deed of Trust, Mortgage NJ LENDERS |
| Mar 19, 2019 | Deed with Mortgage, Transfer · Conventional Mortgage NJ LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2019 · Amount on Record |
| Deed Sale | Mar 19, 2019 · Amount on Record |
| Prior Sale | Aug 25, 2014 · Amount on Record |
| Deed Document Number | 201917593 |
| Deed Book / Page | 3201 / 2483 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 42 E OAK ST, RAMSEY, NJ 07446-2330 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2021 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0044021659 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 4402/1659 |
| Instrument | 2021153253 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 42 E OAK ST, RAMSEY, NJ 07446-2330 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0039480299 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 3948/299 |
| Instrument | 2021016701 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 42 E OAK ST, RAMSEY, NJ 07446-2330 |
| Document Number | 0035790432 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2020 |
| Title Company | PRESTIGE TITLE AGENCY INC, PRESTIGE TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 42 E OAK ST RAMSEY NJ 074462330, RAMSEY, NJ 07446-2330 |
| Document Number | 0035790432 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 003579/000432 |
| Instrument | 20042293 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 22, 2050 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 19, 2019 |
| Property Address | 42 E OAK ST, RAMSEY, NJ 07446-2330 |
| Document Number | 0032012483 |
| Book / Page | 003201 / 002483 |
| Instrument Date | Mar 1, 2019 |
| Instrument | 17593 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $589.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 42 E OAK ST RAMSEY NJ 074462330, RAMSEY, NJ 07446-2330 |
| Document Number | 32020001 |
|---|---|
| Date | Mar 19, 2019 |
| Book Page | 003202/000001 |
| Instrument | 17593 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 18, 2049 |
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 | $818,800 (+3.66%) Land $382,000 Building $436,800 | $818,800 (+3.66%) Land $382,000 Building $436,800 | |
| 2025 | $16,264.00 (+15.73%) | $789,900 (+58.61%) Land $357,000 Building $432,900 | $789,900 (+58.61%) Land $357,000 Building $432,900 |
| 2024 | $14,053.00 (+7.59%) | ||
| 2023 | $498,000 Land $266,000 Building $232,000 | $498,000 Land $266,000 Building $232,000 | |
| 2022 | $13,062.00 |
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 97% of the US · lower than 92% 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 296 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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