Bergen County and Ramsey Borough property record for 44 N Central Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,556 sqft · built 1900 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,100,000 (Jul 2026) |
| Tax Bill | $24,010 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jun 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-02306-0000-00008 |
| Primary APN | 48-02306-0000-00008 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,556 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 167 ft deep x 33 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Account Number | Q40010 |
|---|---|
| Street Address | 44 N CENTRAL AVE |
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B1 |
| Legal Description | 0.126AC |
| Legal Subdivision | BOROUGH/RAMSEY |
| Legal Block | 2306 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 44202 |
44 N Central Ave is owned by a company that bought it in July 2026.
Source: Bergen County and Ramsey Borough records, as of August 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 51 FINCH RD, RINGWOOD, NJ 07456-2422 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Jul 27, 2026 | Deed, Transfer · Conventional Mortgage CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Jun 13, 2023 | Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC |
| Jan 4, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVEST BANK & TRUST CO |
| Jun 24, 2019 | Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC |
| Apr 23, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2026 · Amount on File |
| Deed Sale | Jul 27, 2026 · Amount on File |
| Prior Sale | Jun 13, 2023 · Amount on File |
| Deed Document Number | 202651389 |
| Deed Book / Page | 5858 / 1389 |
| Prior Transfer Date | May 31, 2019 |
| Prior Transfer Doc | 0032741257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 27, 2026 |
| Property Address | 44 N CENTRAL AVE, RAMSEY, NJ 07446-1808 |
| Document Number | 0000051389 |
| Book / Page | 5858 / 1389 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202651389 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $111,100.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 51 FINCH RD, RINGWOOD, NJ 07456-2422 |
| Document Number | 0000051390, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 202651390 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 13, 2023 |
| Property Address | 44 N CENTRAL AVE, RAMSEY, NJ 07446-1808 |
| Document Number | 0050130820 |
| Book / Page | 5013 / 820 |
| Instrument Date | May 22, 2023 |
| Instrument | 2023038634 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2023 |
| Title Company | KEY TITLE GROUP, KELLY TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,563.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 80 W CENTURY RD STE 101, 101, PARAMUS, NJ 07652-1467 |
| Name | Verified Name |
|---|---|
| Address | 15 GRIST LANE, UPPER SADDLE RIVER, NJ 07458 |
| Document Number | 2023038635 |
|---|---|
| Date | Jun 13, 2023 |
| Instrument | 2023038635 |
| Name | COMMERCIAL LENDER LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 N CENTRAL AVE, RAMSEY, NJ 07446-1808 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 235 S HARRISON ST 100, 100, EAST ORANGE, NJ 07018-1463 |
| Document Number | 0048941180 |
|---|---|
| Date | Jan 4, 2023 |
| Book Page | 4894/1180 |
| Instrument | 2023000510 |
| Name | UNIVEST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SOUDERTON, PA 18964 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 58 Months |
| Due | Nov 14, 2027 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 24, 2019 |
| Property Address | 44 N CENTRAL AVE, RAMSEY, NJ 07446-1808 |
| Document Number | 0032741257 |
| Book / Page | 3274 / 1257 |
| Instrument Date | May 31, 2019 |
| Instrument | 19-039522 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 N CENTRAL AVE, RAMSEY, NJ 07446-1808 |
| Document Number | 1903952201 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 19-039522.01 |
| Name | LOAN FUNDER LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 0032741257 |
|---|---|
| Date | Jun 24, 2019 |
| Book Page | 3274/1257 |
| Instrument | 19-039522 |
| Name | LOAN FUNDER LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 23, 2019 |
| Property Address | 44 N CENTRAL AVE, RAMSEY, NJ 07446-1808 |
| Document Number | 0032251157 |
| Book / Page | 003225 / 001157 |
| Instrument Date | Mar 12, 2019 |
| Instrument | 24906 |
| Transaction Type | Foreclosure |
| Record Updated | May 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $417.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1297 HUDSON RD TEANECK NJ 076662127, TEANECK, NJ 07666-2127 |
The 2025 property tax bill for 44 N Central Ave was $24,010, up 4.6% 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 | $1,140,600 (-2.19%) Land $345,000 Building $795,600 | $1,140,600 (-2.19%) Land $345,000 Building $795,600 | |
| 2025 | $24,010.00 (+4.62%) | $1,166,100 Land $345,000 Building $821,100 | $1,166,100 Land $345,000 Building $821,100 |
| 2024 | $22,949.00 | ||
| 2023 | $581,300 (-) Land $227,600 Building $353,700 | $581,300 (-) Land $227,600 Building $353,700 | |
| 2022 | $15,247.00 (+1.15%) | $581,300 Land $227,600 Building $353,700 | $581,300 Land $227,600 Building $353,700 |
| 2021 | $15,073.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 N Central Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 (1979–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 1984 · tidal / storm surge |
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.
The area around 44 N Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 285 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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