Bergen County and Ramsey Borough property record for 43 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,546 sqft · built 1983 |
| Lot Size | 0.024 acres (1,044 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $589,000 (Dec 2014) |
| Tax Bill | $14,598 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0043 |
| Primary APN | 48-04905-0000-00042-0000-C0043 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,546 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,044 sqft (0.024 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 43 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PROSPECT PARK |
| Legal Block | 4905 |
| Legal Lot Number | 42 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 44201 |
43 Spruce Run is owned and occupied by two individuals who bought it in December 2014.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 43 SPRUCE RUN, RAMSEY, NJ 07446-2521 |
| 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.
| Date | Document |
|---|---|
| Mar 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| May 20, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2014 · Amount on File |
| Deed Sale | Dec 23, 2014 · Amount on File |
| Prior Sale | Dec 8, 2009 · Amount on File |
| Deed Document Number | 201485825 |
| Deed Book / Page | 1822 / 882 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 43 SPRUCE RUN, RAMSEY, NJ 07446-2521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0035460708 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 3546/708 |
| Instrument | 20-030952 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 43 SPRUCE RUN, RAMSEY, NJ 07446-2521 |
| Document Number | 0036171330 |
| Instrument Date | May 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2020 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 43 SPRUCE RUN RAMSEY NJ 074462521, RAMSEY, NJ 07446-2521 |
| Document Number | 0036171330 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 003617/001330 |
| Instrument | 20056029 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 43 Spruce Run was $14,598, down 4.1% 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 | $718,700 (+1.37%) Land $205,000 Building $513,700 | $718,700 (+1.37%) Land $205,000 Building $513,700 | |
| 2025 | $14,598.00 (-4.11%) | $709,000 Land $200,000 Building $509,000 | $709,000 Land $200,000 Building $509,000 |
| 2024 | $15,224.00 | ||
| 2023 | $539,500 Land $190,000 Building $349,500 | $539,500 Land $190,000 Building $349,500 | |
| 2022 | $14,151.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Spruce Run in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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.
Wildfire risk around 43 Spruce Run is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% 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 267 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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