Bergen County and Ramsey Borough property record for 442 Elbert St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,075 sqft · built 1987 |
| Lot Size | 0.373 acres (16,248 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $465,000 (May 1994) |
| Tax Bill | $24,346 (2025) |
| Deeds & Mortgages | Mar 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01303-0000-00021 |
| Primary APN | 48-01303-0000-00021 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,075 sqft Living Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Lot Area | 16,248 sqft (0.373 acres) |
| Lot Dimensions | 125 ft deep x 130 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 442 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.373AC |
| Legal Subdivision | FRANK H MURPHY SCALE 1-50 |
| Legal Block | 1303 |
| Legal Lot Number | 21 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1004 |
| 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 | 442 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 1994 · Amount on Record |
| Deed Sale | May 20, 1994 · Amount on Record |
| Deed Book / Page | 7697 / 816 |
| Last Transfer Date | Jan 28, 2021 |
| Transfer Doc | 0040261659 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 22, 2021 |
| Property Address | 442 ELBERT ST, RAMSEY, NJ 07446-1045 |
| Document Number | 0040261659 |
| Book / Page | 4026 / 1659 |
| Instrument Date | Jan 28, 2021 |
| Instrument | 2021040341 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | ALTOR ABSTRACT COMPANY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 442 ELBERT ST, RAMSEY, NJ 07446-1045 |
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 | $1,189,200 (+0.58%) Land $447,400 Building $741,800 | $1,189,200 (+0.58%) Land $447,400 Building $741,800 | |
| 2025 | $24,346.00 (-5.36%) | $1,182,400 (+29.71%) Land $447,400 Building $735,000 | $1,182,400 (+29.71%) Land $447,400 Building $735,000 |
| 2024 | $25,725.00 (+7.59%) | ||
| 2023 | $911,600 Land $368,700 Building $542,900 | $911,600 Land $368,700 Building $542,900 | |
| 2022 | $23,911.00 |
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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