Bergen County and Ramsey Borough property record for 5 Davidson Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,038 sqft · built 1949 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $14,697 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Apr 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-01903-0000-00023 |
| Primary APN | 48-01903-0000-00023 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,038 sqft Living Area |
| 1st Floor Area | 2,038 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Construction Type | Frame |
| Lot Area | 12,502 sqft (0.287 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 5 DAVIDSON AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.287AC |
| Legal Block | 1903 |
| Legal Lot Number | 23 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 44202 |
Source: Bergen County and Ramsey Borough records · APN 48-01903-0000-00023
Assessment roll updated June 29, 2026 · Last verified July 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 | 5 DAVIDSON AVE, RAMSEY, NJ 07446-1401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Sep 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 5 DAVIDSON AVE, RAMSEY, NJ 07446-1401 |
| Transaction Type | Mortgage |
| Record Updated | Sep 08, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0042831836 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 4283/1836 |
| Instrument | 2021117056 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 5 DAVIDSON AVE, RAMSEY, NJ 07446-1401 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MAIN STREET TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0032280337 |
|---|---|
| Date | Apr 25, 2019 |
| Book Page | 3228/337 |
| Instrument | 19-025667 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 5 DAVIDSON AVE, RAMSEY, NJ 07446-1401 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0036931527 |
|---|---|
| Date | Sep 04, 2020 |
| Book Page | 3693/1527 |
| Instrument | 20-081605 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 01, 2050 |
Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ramsey Borough |
| Unified School District | Ramsey Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $717,200 (+0.48%) Land $343,100 Building $374,100 | $717,200 (+0.48%) Land $343,100 Building $374,100 | |
| 2025 | $14,697.00 (-6.02%) | $713,800 (+28.8%) Land $343,100 Building $370,700 | $713,800 (+28.8%) Land $343,100 Building $370,700 |
| 2024 | $15,639.00 (+7.59%) | ||
| 2023 | $554,200 Land $271,500 Building $282,700 | $554,200 Land $271,500 Building $282,700 | |
| 2022 | $14,536.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1979–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 1984 · tidal / storm surge |
| Wildfire Risk | Low lower than 94% of the US · lower than 83% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 256 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RAMSEY WATER DEPT serves 15,207 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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