Bergen County and Ramsey Borough property record for 46 Elbert Ct, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,312 sqft · built 1952 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $985,000 (Jan 2026) |
| Tax Bill | $20,707 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01102-0000-00034 |
| Primary APN | 48-01102-0000-00034 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,312 sqft Living Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 13,199 sqft (0.303 acres) |
| Lot Dimensions | 150 ft deep x 88 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 46 ELBERT CT |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.303AC |
| Legal Subdivision | RAMVIEW HEIGHTS SEC 1 |
| Legal Block | 1102 |
| Legal Lot Number | 34 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 44100 |
Source: Bergen County and Ramsey Borough assessment roll, 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 File |
|---|---|
| Mailing Address | 46 ELBERT CT, RAMSEY, NJ 07446-1011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 12, 2026 | Deed, Transfer · Conventional Mortgage LUMINATE BANK |
| May 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL HOME FUNDING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on Record |
| Deed Sale | Jan 12, 2026 · Amount on Record |
| Prior Sale | Jul 10, 2002 · Amount on Record |
| Deed Document Number | 20262381 |
| Deed Book / Page | 5700 / 410 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 12, 2026 |
| Property Address | 46 ELBERT CT, RAMSEY, NJ 07446-1011 |
| Document Number | 0057000410 |
| Book / Page | 5700 / 410 |
| Instrument Date | Dec 17, 2025 |
| Instrument | 2026002381 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2026 |
| Title Company | PARTNERS TITLE AGENCY LLC, PTRS TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,401.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 ELBERT CT, RAMSEY, NJ 07446-1011 |
| Name | Verified Name |
|---|---|
| Address | 46 ELBERT CT, RAMSEY, NJ 07446-1011 |
| Document Number | 2026002382 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 2026002382 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 46 ELBERT CT, RAMSEY, NJ 07446-1011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | EQUITY TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0035961822 |
|---|---|
| Date | May 12, 2020 |
| Book Page | 3596/1822 |
| Instrument | 20-048213 |
| Name | RESIDENTIAL HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
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 | $1,011,500 (+0.58%) Land $369,400 Building $642,100 | $1,011,500 (+0.58%) Land $369,400 Building $642,100 | |
| 2025 | $20,707.00 (+4.17%) | $1,005,700 (+42.77%) Land $369,400 Building $636,300 | $1,005,700 (+42.77%) Land $369,400 Building $636,300 |
| 2024 | $19,878.00 (+7.59%) | ||
| 2023 | $704,400 Land $245,500 Building $458,900 | $704,400 Land $245,500 Building $458,900 | |
| 2022 | $18,476.00 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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