Bergen County and Ramsey Borough property record for 434 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,088 sqft · built 1968 |
| Lot Size | 0.393 acres (17,119 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $735,000 (Jul 2014) |
| Tax Bill | $25,103 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01303-0000-00020 |
| Primary APN | 48-01303-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,088 sqft Living Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Frame |
| Lot Area | 17,119 sqft (0.393 acres) |
| Lot Dimensions | 125 ft deep x 137 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 434 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.393AC |
| Legal Block | 1303 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 44100 |
434 Elbert St is owned and occupied by two individuals who bought it in July 2014.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 434 ELBERT ST, RAMSEY, NJ 07446-1045 |
| 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 Sale | Jul 8, 2014 · Amount on File |
| Deed Sale | Jul 8, 2014 · Amount on File |
| Deed Document Number | 201444150 |
| Deed Book / Page | 1703 / 472 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 434 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0027122386 |
|---|---|
| Date | Sep 5, 2017 |
| Book Page | 02712/2386 |
| Instrument | 17-066136 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 434 Elbert St was $25,103 with a veteran's exemption, down 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 | $1,219,700 (+0.04%) Land $448,600 Building $771,100 | $1,219,700 (+0.04%) Land $448,600 Building $771,100 | |
| 2025 | $25,103.00 (-1.02%) Veteran's exemption | $1,219,200 Land $448,600 Building $770,600 | $1,219,200 Land $448,600 Building $770,600 |
| 2024 | $25,362.00 | ||
| 2023 | $907,600 Land $369,700 Building $537,900 | $907,600 Land $369,700 Building $537,900 | |
| 2022 | $23,556.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 434 Elbert St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 File 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.
Wildfire risk around 434 Elbert St 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 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 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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