Bergen County and Ramsey Borough property record for 45 Morton Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 4,361 sqft · built 2005 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $999,000 (Sep 2011) |
| Tax Bill | $29,919 (2025) |
| Deeds & Mortgages | Jul 2023 Second Mortgage Nov 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04910-0000-00007-01 |
| Primary APN | 48-04910-0000-00007-01 |
|---|---|
| Alternative APN |
|
| Building Area | 4,361 sqft Living Area |
|---|
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 8,233 sqft (0.189 acres) |
| Lot Dimensions | 110 ft deep x 75 ft wide |
| Old Parcel Number | 48049100000000071 |
|---|---|
| Street Address | 45 MORTON DR |
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.189AC |
| Legal Subdivision | RAMSEY COUNTRY CLUB ESTATES SE |
| Legal Block | 4910 |
| Legal Lot Number | 7.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 44201 |
45 Morton Dr is owned and occupied by two individuals who acquired it in April 2018.
Source: Bergen County and Ramsey Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 MORTON DR, RAMSEY, NJ 07446-2514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Nov 23, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Dec 4, 2020 | Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| May 1, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2011 · Amount on File |
| Deed Sale | Sep 2, 2011 · Amount on File |
| Prior Sale | Sep 3, 2008 · Amount on File |
| Deed Document Number | 20118220962 |
| Deed Book / Page | 822 / 962 |
| Last Transfer Date | Apr 18, 2018 |
| Transfer Doc | 0029281448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 45 MORTON DR, RAMSEY, NJ 07446-2514 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0050451631 |
|---|---|
| Date | Jul 27, 2023 |
| Book Page | 5045/1631 |
| Instrument | 2023048969 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 45 MORTON DR, RAMSEY, NJ 07446-2514 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0048671487 |
|---|---|
| Date | Nov 23, 2022 |
| Book Page | 4867/1487 |
| Instrument | 2022109932 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Nov 29, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 4, 2020 |
| Property Address | 45 MORTON DR, RAMSEY, NJ 07446-2514 |
| Document Number | 0038490976 |
| Book / Page | 3849 / 976 |
| Instrument Date | Sep 17, 2020 |
| Instrument | 2020128360 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,517.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 378 HILLVIEW TER, 378, FRANKLIN LAKES, NJ 07417-1013 |
| Name | Verified Name |
|---|---|
| Address | 45 MORTON DR, RAMSEY, NJ 07446-2514 |
| Document Number | 0038490986 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 3849/986 |
| Instrument | 20-128361 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 1, 2018 |
| Property Address | 45 MORTON DR, RAMSEY, NJ 07446-2514 |
| Document Number | 0029281448 |
| Book / Page | 002928 / 001448 |
| Instrument Date | Apr 18, 2018 |
| Instrument | 30588 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 MORTON DR RAMSEY NJ 074462514, RAMSEY, NJ 07446-2514 |
The 2025 property tax bill for 45 Morton Dr was $29,919, up 6.6% 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 | $1,487,800 (+2.39%) Land $428,400 Building $1,059,400 | $1,487,800 (+2.39%) Land $428,400 Building $1,059,400 | |
| 2025 | $29,919.00 (+6.55%) | $1,453,100 Land $403,400 Building $1,049,700 | $1,453,100 Land $403,400 Building $1,049,700 |
| 2024 | $28,079.00 | ||
| 2023 | $995,000 Land $298,600 Building $696,400 | $995,000 Land $298,600 Building $696,400 | |
| 2022 | $26,098.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Morton Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 Morton Dr 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 98% of the US · lower than 94% 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 267 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 |
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