450 Elbert St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 450 Elbert St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,532 sqft · built 1969
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Oct 2001)
Tax Bill	$18,659 (2025)
Deeds & Mortgages	Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`48-01303-0000-00022`

Property Details

APN / Parcel Number

Primary APN	`48-01303-0000-00022`
Alternative APN	`480130300022`

Interior

Stories	1 Story
Building Area	2,532 sqft Living Area
1st Floor Area	2,532 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	125 ft deep x 112 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	450 ELBERT ST
City	RAMSEY
State	NJ
Zip	07446-1045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.321AC
Legal Block	1303
Legal Lot Number	22
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1004
Census Tract	44100

Owner

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	2 Individual Names on Record
Mailing Address	450 ELBERT ST, RAMSEY, NJ 07446-1045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2001 · Amount on Record
Deed Sale	Oct 17, 2001 · Amount on Record
Deed Book / Page	8412 / 625
Prior Transfer Date	Jan 27, 1999
Prior Transfer Doc	0000020794
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	450 ELBERT ST, RAMSEY, NJ 07446-1045
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033640223
Date	Oct 1, 2019
Book Page	3364/223
Instrument	2019-065084.01

Lender

Name	MEREK EFCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$910,400 (+0.46%) Land $444,300 Building $466,100	$910,400 (+0.46%) Land $444,300 Building $466,100
2025	$18,659.00 (-4.23%)	$906,200 (+31.26%) Land $444,300 Building $461,900	$906,200 (+31.26%) Land $444,300 Building $461,900
2024	$19,483.00 (+7.59%)
2023		$690,400 Land $366,100 Building $324,300	$690,400 Land $366,100 Building $324,300
2022	$18,109.00

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

Flood

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 Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 272 locations within half a mile, as of December 31, 2025

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