Bergen County and Ramsey Borough property record for 45 S Central Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,654 sqft · built 1900 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $435,000 (Feb 2018) |
| Tax Bill | $11,872 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Jan 2024 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-02906-0000-00001 |
| Primary APN | 48-02906-0000-00001 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,654 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 45 S CENTRAL AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.250AC |
| Legal Subdivision | KALOR BUILDERS INC |
| Legal Block | 2906 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough records, as of June 29, 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 Record |
|---|---|
| Mailing Address | 45 S CENTRAL AVE, RAMSEY, NJ 07446-1838 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Jan 2, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Feb 20, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2018 · Amount on Record |
| Deed Sale | Feb 20, 2018 · Amount on Record |
| Prior Sale | Oct 17, 2000 |
| Deed Document Number | 201818-012842 |
| Deed Book / Page | 2868 / 432 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 45 S CENTRAL AVE, RAMSEY, NJ 07446-1838 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 45 S CENTRAL AVE, RAMSEY, NJ 07446-1838 |
| Document Number | 0051331985 |
|---|---|
| Date | Nov 30, 2023 |
| Book Page | 5133/1985 |
| Instrument | 2023077087 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 2, 2024 |
| Property Address | 45 S CENTRAL AVE, RAMSEY, NJ 07446-1838 |
| Document Number | 0051510268 |
| Book / Page | 5151 / 268 |
| Instrument Date | Dec 8, 2023 |
| Instrument | 2024000218 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 176 S CENTRAL AVE, RAMSEY, NJ 07446-2451 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 30 SANDY CT, PATERSON, NJ 07522-2004 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 20, 2018 |
| Property Address | 45 S CENTRAL AVE, RAMSEY, NJ 07446-1838 |
| Document Number | 0028680432 |
| Book / Page | 002868 / 000432 |
| Instrument Date | Jan 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $435.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 S CENTRAL AVE RAMSEY NJ 074461838, RAMSEY, NJ 07446-1838 |
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 | $578,800 (+0.38%) Land $337,500 Building $241,300 | $578,800 (+0.38%) Land $337,500 Building $241,300 | |
| 2025 | $11,872.00 (-14.84%) | $576,600 (+16.72%) Land $337,500 Building $239,100 | $576,600 (+16.72%) Land $337,500 Building $239,100 |
| 2024 | $13,940.00 (+7.59%) | ||
| 2023 | $494,000 (-) Land $268,800 Building $225,200 | $494,000 (-) Land $268,800 Building $225,200 | |
| 2022 | $12,957.00 (+1.16%) | $494,000 Land $268,800 Building $225,200 | $494,000 Land $268,800 Building $225,200 |
| 2021 | $12,809.00 |
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 | 6 in force |
| Nearby Flood Claims | 3 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 | Not rated no burnable land within 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 285 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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