45 Birch St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 45 Birch St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,523 sqft · built 1951
Lot Size	0.232 acres (10,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Jul 2021)
Tax Bill	$20,705 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-04502-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`48-04502-0000-00008`
Alternative APN	`480450200008`

Interior

Stories	2 Stories
Building Area	2,523 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Frame
Lot Area	10,106 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	45 BIRCH ST
City	RAMSEY
State	NJ
Zip	07446-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.232AC
Legal Block	4502
Legal Lot Number	8
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	2
Census Block	2012
Census Tract	44202

Owner

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	2 Individual Names on Record
Mailing Address	45 BIRCH ST, RAMSEY, NJ 07446-1501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on Record
Deed Sale	Jul 29, 2021 · Amount on Record
Prior Sale	Jan 14, 2013 · Amount on Record
Deed Document Number	2021121899
Deed Book / Page	4301 / 608
Prior Transfer Date	Oct 8, 2008
Prior Transfer Doc	0096470006
Record Updated	Sep 20, 2026

July 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 29, 2021
Property Address	45 BIRCH ST, RAMSEY, NJ 07446-1501
Document Number	0043010608
Book / Page	4301 / 608
Instrument Date	Jun 30, 2021
Instrument	2021121899
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	LT NATIONAL TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,183.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 N FRANKLIN TPKE, 47, RAMSEY, NJ 07446-2005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BIRCH ST, RAMSEY, NJ 07446-1501

Mortgage

Document Number	0043010613
Date	Jul 29, 2021
Book Page	4301/613
Instrument	2021121900

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,046,200 (+4.04%) Land $434,800 Building $611,400	$1,046,200 (+4.04%) Land $434,800 Building $611,400
2025	$20,705.00 (-2.38%)	$1,005,600 (+33.79%) Land $399,800 Building $605,800	$1,005,600 (+33.79%) Land $399,800 Building $605,800
2024	$21,210.00 (+7.59%)
2023		$751,600 Land $298,200 Building $453,400	$751,600 Land $298,200 Building $453,400
2022	$19,714.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 373 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