Bergen County and Ramsey Borough property record for 435 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,453 sqft · built 1968 |
| Lot Size | 0.576 acres (25,091 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,432 (Oct 2019) |
| Tax Bill | $20,501 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01302-0000-00007 |
| Primary APN | 48-01302-0000-00007 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,453 sqft Living Area |
| 1st Floor Area | 2,453 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Frame |
| Lot Area | 25,091 sqft (0.576 acres) |
| Lot Dimensions | 193 ft deep x 130 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 435 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 0.576AC |
| Legal Subdivision | BOROUGH/RAMSEY |
| Legal Block | 1302 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1003 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 435 ELBERT ST, RAMSEY, NJ 07446-1008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ARC HOME LLC |
| Oct 4, 2019 | Deed, Transfer |
| Feb 14, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2019 · Amount on Record |
| Deed Sale | Oct 4, 2019 · Amount on Record |
| Prior Sale | Aug 18, 2005 · Amount on Record |
| Deed Document Number | 20196587101 |
| Deed Book / Page | 3366 / 2092 |
| Last Transfer Date | Apr 7, 2021 |
| Transfer Doc | 0044771275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 2, 2021 |
| Property Address | 435 ELBERT ST, RAMSEY, NJ 07446-1008 |
| Document Number | 0044771275 |
| Book / Page | 4477 / 1275 |
| Instrument Date | Apr 7, 2021 |
| Instrument | 2021176051 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 WILSON DR, 19, WANAQUE, NJ 07465-1119 |
| Name | Verified Name |
|---|---|
| Address | 435 ELBERT ST, RAMSEY, NJ 07446-1008 |
| Document Number | 2021176052 |
|---|---|
| Date | Dec 2, 2021 |
| Instrument | 2021176052 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 4, 2019 |
| Property Address | 435 ELBERT ST, RAMSEY, NJ 07446-1008 |
| Document Number | 0033662092 |
| Book / Page | 3366 / 2092 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 2019-065871.01 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 WILSON DR, WANAQUE, NJ 07465-1119 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 14, 2019 |
| Property Address | 435 ELBERT ST, RAMSEY, NJ 07446-1008 |
| Document Number | 0031790079 |
| Book / Page | 003179 / 000079 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 10721 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493 |
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 | $996,000 (+0.03%) Land $459,400 Building $536,600 | $996,000 (+0.03%) Land $459,400 Building $536,600 | |
| 2025 | $20,501.00 (+1.3%) | $995,700 (+38.85%) Land $459,400 Building $536,300 | $995,700 (+38.85%) Land $459,400 Building $536,300 |
| 2024 | $20,237.00 (+7.59%) | ||
| 2023 | $717,100 Land $378,700 Building $338,400 | $717,100 Land $378,700 Building $338,400 | |
| 2022 | $18,809.00 |
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 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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