Bergen County and Ramsey Borough property record for 45 Elbert Ct, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,400 sqft · built 1952 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | Individual Name on File |
| Last Sale | $610,527 (Oct 2022) |
| Tax Bill | $14,294 (2025) |
| Deeds & Mortgages | Oct 2022 Sale Dec 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01103-0000-00002 |
| Primary APN | 48-01103-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 9,975 sqft (0.229 acres) |
| Lot Dimensions | 131 ft deep x 76 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 45 ELBERT CT |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.229AC |
| Legal Subdivision | RAMVIEW HEIGHTS SEC 1 |
| Legal Block | 1103 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough records · APN 48-01103-0000-00002
Assessment roll updated June 29, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 45 ELBERT CT, RAMSEY, NJ 07446-1065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 14, 2022 | Deed, Transfer BUILDERS TITLE AGENCY INC |
| Dec 30, 2021 | Deed, Transfer WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 14, 2022 · Amount on Record |
| Deed Sale | Oct 14, 2022 · Amount on Record |
| Prior Sale | Dec 30, 2021 · Amount on Record |
| Deed Document Number | 202299858 |
| Deed Book / Page | 4835 / 1806 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 14, 2022 |
| Property Address | 45 ELBERT CT, RAMSEY, NJ 07446-1065 |
| Document Number | 0048351806 |
| Book / Page | 4835 / 1806 |
| Instrument Date | Oct 01, 2022 |
| Instrument | 2022099858 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | BUILDERS TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,301.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 980 SW SQUIRE JOHNS LN, 980, PALM CITY, FL 34990-7830 |
| Name | Verified Name |
|---|---|
| Address | 45 ELBERT CT, RAMSEY, NJ 07446-1065 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 30, 2021 |
| Property Address | 45 ELBERT CT, RAMSEY, NJ 07446-1065 |
| Document Number | 0045150927 |
| Book / Page | 4515 / 927 |
| Instrument Date | Oct 13, 2021 |
| Instrument | 2021188376 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2022 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,495.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 38 MEREDITH DR, 38, SPARTA, NJ 07871-3537 |
| Name | Verified Name |
|---|---|
| Address | 45 ELBERT CT, RAMSEY, NJ 07446-1065 |
Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ramsey Borough |
| Unified School District | Ramsey Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $647,300 (-6.76%) Land $399,400 Building $247,900 | $647,300 (-6.76%) Land $399,400 Building $247,900 | |
| 2025 | $14,294.00 (+0.63%) | $694,200 (+37.9%) Land $399,400 Building $294,800 | $694,200 (+37.9%) Land $399,400 Building $294,800 |
| 2024 | $14,205.00 (+7.58%) | ||
| 2023 | $503,400 Land $267,200 Building $236,200 | $503,400 Land $267,200 Building $236,200 | |
| 2022 | $13,204.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 |
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
Based on FCC filings for 61 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RAMSEY WATER DEPT serves 15,207 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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