463 N Central Ave, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 463 N Central Ave, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	1,650 sqft · built 1952
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$569,000 (May 2021)
Tax Bill	$11,852 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-01303-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`48-01303-0000-00012`
Alternative APN	`480130300012`

Interior

Stories	2 Stories
Building Area	1,650 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	122 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	463 N CENTRAL AVE
City	RAMSEY
State	NJ
Zip	07446-1047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.280AC
Legal Block	1303
Legal Lot Number	12
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1004
Census Tract	44100

Owner

463 N Central Ave is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	463 N CENTRAL AVE, RAMSEY, NJ 07446-1047
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2021 · Amount on File
Deed Sale	May 3, 2021 · Amount on File
Prior Sale	Aug 27, 2005 · Amount on File
Deed Document Number	202168496
Deed Book / Page	4118 / 452
Record Updated	Sep 20, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	May 3, 2021
Property Address	463 N CENTRAL AVE, RAMSEY, NJ 07446-1047
Document Number	0041180452
Book / Page	4118 / 452
Instrument Date	Mar 24, 2021
Instrument	2021068496
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	FIRST JERSEY TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,856.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 ALLEN DR, 85, WAYNE, NJ 07470-3370

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	463 N CENTRAL AVE, RAMSEY, NJ 07446-1047

Mortgage

Document Number	2021068497
Date	May 3, 2021
Instrument	2021068497

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 463 N Central Ave was $11,852, down 12.3% from the year before.

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		$598,300 (+3.94%) Land $312,000 Building $286,300	$598,300 (+3.94%) Land $312,000 Building $286,300
2025	$11,852.00 (-12.32%)	$575,600 Land $292,000 Building $283,600	$575,600 Land $292,000 Building $283,600
2024	$13,517.00
2023		$479,000 Land $246,000 Building $233,000	$479,000 Land $246,000 Building $233,000
2022	$12,564.00

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

Flood

FEMA maps place 463 N Central Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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 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

Wildfire risk around 463 N Central Ave 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 95% of the US · lower than 87% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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