Bergen County and Ramsey Borough property record for 45 Buckingham Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,692 sqft · built 1954 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $445,000 (Aug 2018) |
| Tax Bill | $20,452 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Apr 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-05403-0000-00009 |
| Primary APN | 48-05403-0000-00009 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,692 sqft Living Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Frame |
| Lot Area | 8,233 sqft (0.189 acres) |
| Lot Dimensions | 110 ft deep x 75 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 45 BUCKINGHAM DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.189AC |
| Legal Subdivision | RAMSEY COUNTRY CLUB ESTATES SE |
| Legal Block | 5403 |
| Legal Lot Number | 9 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 44201 |
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 BUCKINGHAM DR, RAMSEY, NJ 07446-2607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITY BANK |
| Apr 15, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITY BANK |
| Aug 15, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2018 · Amount on Record |
| Deed Sale | Aug 15, 2018 · Amount on Record |
| Deed Document Number | 201818-058657 |
| Deed Book / Page | 3028 / 299 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 45 BUCKINGHAM DR, RAMSEY, NJ 07446-2607 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041271306 |
|---|---|
| Date | May 6, 2021 |
| Book Page | 4127/1306 |
| Instrument | 2021071210 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 45 BUCKINGHAM DR, RAMSEY, NJ 07446-2607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032210365 |
|---|---|
| Date | Apr 15, 2019 |
| Book Page | 3221/365 |
| Instrument | 19-023511 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | May 1, 2020 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 15, 2018 |
| Property Address | 45 BUCKINGHAM DR, RAMSEY, NJ 07446-2607 |
| Document Number | 0030280299 |
| Book / Page | 003028 / 000299 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 58657 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $445.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 BUCKINGHAM DR RAMSEY NJ 074462607, RAMSEY, NJ 07446-2607 |
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 | $965,500 (-2.8%) Land $378,400 Building $587,100 | $965,500 (-2.8%) Land $378,400 Building $587,100 | |
| 2025 | $20,452.00 (+0.93%) | $993,300 (+38.32%) Land $353,400 Building $639,900 | $993,300 (+38.32%) Land $353,400 Building $639,900 |
| 2024 | $20,264.00 (+7.59%) | ||
| 2023 | $718,100 Land $293,600 Building $424,500 | $718,100 Land $293,600 Building $424,500 | |
| 2022 | $18,835.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 9 (1978–2021) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 352 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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