Bergen County and Ramsey Borough property record for 5 Gertzen Rd, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,904 sqft · built 1928 |
| Lot Size | 0.434 acres (18,905 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Oct 2010) |
| Tax Bill | $12,533 (2025) |
| Deeds & Mortgages | Jun 2021 Second Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04401-0000-00019 |
| Primary APN | 48-04401-0000-00019 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,904 sqft Living Area |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Construction Type | Frame |
| Lot Area | 18,905 sqft (0.434 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 5 GERTZEN RD |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 0.434AC |
| Legal Block | 4401 |
| Legal Lot Number | 19 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 44202 |
5 Gertzen Rd is owned and occupied by an individual who bought it in October 2010.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5 GERTZEN RD, RAMSEY, NJ 07446-1213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WEICHERT FINANCIAL SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2010 · Amount on File |
| Deed Sale | Oct 28, 2010 · Amount on File |
| Deed Document Number | 2010995650419 |
| Deed Book / Page | 565 / 419 |
| Prior Transfer Date | Apr 17, 1998 |
| Prior Transfer Doc | 0000194842 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 5 GERTZEN RD, RAMSEY, NJ 07446-1213 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0041800120 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 4180/120 |
| Instrument | 2021086977 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 3, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 5 GERTZEN RD, RAMSEY, NJ 07446-1213 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0037400755 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 3740/755 |
| Instrument | 20-095798 |
| Name | WEICHERT FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | MORRIS PLAINS, NJ 07950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 1, 2040 |
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 | $611,500 (+0.46%) Land $297,900 Building $313,600 | $611,500 (+0.46%) Land $297,900 Building $313,600 | |
| 2025 | $12,533.00 (-7.4%) | $608,700 (+26.92%) Land $297,900 Building $310,800 | $608,700 (+26.92%) Land $297,900 Building $310,800 |
| 2024 | $13,534.00 (+7.59%) | ||
| 2023 | $479,600 Land $267,000 Building $212,600 | $479,600 Land $267,000 Building $212,600 | |
| 2022 | $12,579.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Gertzen Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 9 (1990–2021) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 5 Gertzen Rd 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.
Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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