Bergen County and Ramsey Borough property record for 45 Deer Trl, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,491 sqft · built 1964 |
| Lot Size | 0.924 acres (40,249 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $985,000 (Oct 2024) |
| Tax Bill | $20,090 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03002-0000-00033 |
| Primary APN | 48-03002-0000-00033 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,491 sqft Living Area |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Construction Type | Frame |
| Lot Area | 40,249 sqft (0.924 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 45 DEER TRL |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 0.924AC |
| Legal Subdivision | LAKE FORREST HOMES SEC #1 |
| Legal Block | 3002 |
| Legal Lot Number | 33 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 44100 |
45 Deer Trl is owned and occupied by two individuals who bought it in October 2024.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 DEER TRL, RAMSEY, NJ 07446-2109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2024 · Amount on File |
| Deed Sale | Oct 21, 2024 · Amount on File |
| Prior Sale | Jul 26, 1993 · Amount on File |
| Deed Document Number | 202462710 |
| Deed Book / Page | 5347 / 835 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 45 Deer Trl was $20,090, down 3.8% 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 | $980,500 (+0.49%) Land $455,300 Building $525,200 | $980,500 (+0.49%) Land $455,300 Building $525,200 | |
| 2025 | $20,090.00 (-3.82%) | $975,700 Land $455,300 Building $520,400 | $975,700 Land $455,300 Building $520,400 |
| 2024 | $20,888.00 | ||
| 2023 | $740,200 Land $346,100 Building $394,100 | $740,200 Land $346,100 Building $394,100 | |
| 2022 | $19,415.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Deer Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.
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 Claims | 1 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1980 · 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 risk around 45 Deer Trl is low, with less than a 0.01% annual chance of wildfire.
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 143 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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