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45 W Cedar Pl, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 45 W Cedar Pl, Ramsey, NJ 07446

Property Summary

Property TypeSingle Family Home
Details2,145 sqft · built 1974
Lot Size0.372 acres (16,204 sqft)
Owner2 Individual Names on File
Last Sale$715,000 (Dec 2018)
Tax Bill$15,815 (2025)
Deeds & MortgagesSep 2020 Mortgage
Dec 2018 Sale
Flood ZoneZone X (minimal risk)
APN48-03101-0000-00059

Property Details

APN / Parcel Number

Primary APN48-03101-0000-00059
Alternative APN
  • 480310100059

Interior

Stories1 Story
Building Area2,145 sqft Living Area
1st Floor Area2,145 sqft

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Construction TypeFrame
Lot Area16,204 sqft (0.372 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address45 W CEDAR PL
CityRAMSEY
StateNJ
Zip07446-2203
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal Description0.372AC
Legal Block3101
Legal Lot Number59
JurisdictionBERGEN NJ
Township / Civil DivisionRAMSEY
Census Block Group3
Census Block3002
Census Tract44100

Owner

45 W Cedar Pl is owned and occupied by two individuals who bought it in December 2018.

Source: Bergen County and Ramsey Borough records, as of June 29, 2026

Owner of Record2 Individual Names on File
Mailing Address45 W CEDAR PL, RAMSEY, NJ 07446-2203
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
WEICHERT FINANCIAL SERVICES
Dec 27, 2018Deed, Transfer
WEICHERT TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 27, 2018 · Amount on File
Deed SaleDec 27, 2018 · Amount on File
Deed Document Number201890332
Deed Book / Page3139 / 901
Record UpdatedSep 20, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address45 W CEDAR PL, RAMSEY, NJ 07446-2203
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyOLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037390180
DateSep 30, 2020
Book Page3739/180
Instrument20-095393
Lender
NameWEICHERT FINANCIAL SERVICES
TypeMortgage Company
AddressMORRIS PLAINS, NJ 07950
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2050

December 2018: Deed, Transfer

Document TypeDeed
JurisdictionBERGEN NJ
Recording DateDec 27, 2018
Property Address45 W CEDAR PL, RAMSEY, NJ 07446-2203
Document Number0031390901
Book / Page3139 / 901
Instrument DateNov 30, 2018
Instrument18-090332
Transaction TypeTransfer
Record UpdatedNov 2, 2021
Title CompanyWEICHERT TITLE

Transaction

AmountAmount on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 W CEDAR PL, RAMSEY, NJ 07446-2203

Tax Assessment & Valuation

The 2025 property tax bill for 45 W Cedar Pl was $15,815, down 13.7% from the year before.

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityRamsey Borough
Unified School DistrictRamsey Borough School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$769,100 (+0.13%) Land $301,900 Building $467,200$769,100 (+0.13%) Land $301,900 Building $467,200
2025$15,815.00 (-13.69%)$768,100 Land $301,900 Building $466,200$768,100 Land $301,900 Building $466,200
2024$18,323.00
2023$649,300 Land $301,600 Building $347,700$649,300 Land $301,600 Building $347,700
2022$17,031.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 W Cedar Pl 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1980)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 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

Wildfire risk around 45 W Cedar Pl 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 RiskLow
lower than 95% of the US · lower than 87% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemRAMSEY WATER DEPT
serves 15,207 people · EPA ID NJ0248001
Water SourcePurchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK
Last State InspectionFeb 2026
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber		2,300 / 2,300

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