Bergen County and Bergenfield Borough property record for 45 Ralph St, Bergenfield, NJ 07621
| Property Type | Single Family Home |
|---|---|
| Details | 1,140 sqft · built 1921 |
| Lot Size | 0.17 acres (7,401 sqft) |
| Owner | Individual Name on File |
| Last Sale | $324,000 (Aug 2019) |
| Tax Bill | $9,536 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00082-0000-00015 |
| Primary APN | 03-00082-0000-00015 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,140 sqft Living Area |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Construction Type | Frame |
| Lot Area | 7,401 sqft (0.17 acres) |
| Lot Dimensions | 148 ft deep x 50 ft wide |
| Old Parcel Number | 0300051B00001A |
|---|---|
| Street Address | 45 RALPH ST |
| City | BERGENFIELD |
| State | NJ |
| Zip | 07621-1614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | 50X148 |
| Legal Subdivision | CHRISTIE MANOR MAP 1113 |
| Legal Block | 82 |
| Legal Lot Number | 15 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | BERGENFIELD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 3300 |
45 Ralph St is owned and occupied by an individual who bought it in August 2019.
Source: Bergen County and Bergenfield Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 RALPH ST, BERGENFIELD, NJ 07621-1614 |
| 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 |
|---|---|
| Apr 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Aug 14, 2019 | Deed, Transfer · Stand-Alone First Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2019 · Amount on File |
| Deed Sale | Aug 14, 2019 · Amount on File |
| Prior Sale | Aug 10, 2015 · Amount on File |
| Deed Document Number | 201953079 |
| Deed Book / Page | 3321 / 2338 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 45 RALPH ST, BERGENFIELD, NJ 07621-1614 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040640185 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 4064/185 |
| Instrument | 2021052190 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 14, 2019 |
| Property Address | 45 RALPH ST, BERGENFIELD, NJ 07621-1614 |
| Document Number | 0033212338 |
| Book / Page | 3321 / 2338 |
| Instrument Date | Jul 22, 2019 |
| Instrument | 19-053079 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 RALPH ST, BERGENFIELD, NJ 07621-1614 |
| Document Number | 1905307901 |
|---|---|
| Date | Aug 14, 2019 |
| Instrument | 19-053079.01 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 0033212338 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 3321/2338 |
| Instrument | 19-053079 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 45 Ralph St was $9,536, up 6% from the year before.
Source: Bergen County and Bergenfield Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Bergenfield Borough |
| Unified School District | Bergenfield Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $255,100 (-) Land $161,400 Building $93,700 | $255,100 (-) Land $161,400 Building $93,700 | |
| 2025 | $9,536.00 (+5.99%) | $255,100 Land $161,400 Building $93,700 | $255,100 Land $161,400 Building $93,700 |
| 2024 | $8,997.00 | ||
| 2023 | $255,100 Land $161,400 Building $93,700 | $255,100 Land $161,400 Building $93,700 | |
| 2022 | $8,563.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Ralph St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1999.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 19 (1999–2021) |
| Claims Outside the SFHA | 3 of 19 |
| 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.
Wildfire risk around 45 Ralph St 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 99.1% of the US · lower than 97.3% 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 | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001 |
|---|---|
| Water Source | Surface water |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Jan 2021 |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 731 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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