Bergen County and Ramsey Borough property record for 50 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,248 sqft · built 1983 |
| Lot Size | 0.024 acres (1,030 sqft) |
| Owner | Individual Name on File |
| Last Sale | $700,000 (Nov 2025) |
| Tax Bill | $12,578 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Apr 2025 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 48-04905-0000-00042-0000-C0050 |
| Primary APN | 48-04905-0000-00042-0000-C0050 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,248 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,030 sqft (0.024 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 50 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PROSPECT PARK |
| Legal Block | 4905 |
| Legal Lot Number | 42 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 44201 |
50 Spruce Run is owned and occupied by an individual who bought it in November 2025.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 50 SPRUCE RUN, RAMSEY, NJ 07446-2521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 5, 2024 | Deed of Trust, Mortgage DRSE REAL ESTATE INVESTMENTS LLC |
| Apr 17, 2025 | Deed of Trust, Mortgage DRSE REAL ESTATE INVESTMENTS LLC |
| Nov 14, 2025 | Deed, Transfer · Conventional Mortgage FM HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2025 · Amount on File |
| Deed Sale | Nov 14, 2025 · Amount on File |
| Deed Document Number | 202577446 |
| Deed Book / Page | 5645 / 1989 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 50 SPRUCE RUN, RAMSEY, NJ 07446-2521 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 17201 COLLINS AVE, SUNNY ISLES BEACH, FL 33160-3475 |
| Document Number | 0052071610 |
|---|---|
| Date | Apr 5, 2024 |
| Book Page | 5207/1610 |
| Instrument | 2024018698 |
| Name | DRSE REAL ESTATE INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | WOODCLIFF LAKE, NJ 07677 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 50 SPRUCE RUN, RAMSEY, NJ 07446-2521 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 17201 COLLINS AVE, SUNNY ISLES BEACH, FL 33160-3475 |
| Document Number | 0054831749 |
|---|---|
| Date | Apr 17, 2025 |
| Book Page | 5483/1749 |
| Instrument | 2025027980 |
| Name | DRSE REAL ESTATE INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | WOODCLIFF LAKE, NJ 07677 |
| Amount | Amount on Record |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 14, 2025 |
| Property Address | 50 SPRUCE RUN, RAMSEY, NJ 07446-2521 |
| Document Number | 0056451989 |
| Book / Page | 5645 / 1989 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 2025077446 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,245.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17201 COLLINS AVE APT 2404, 2404, SUNNY ISLES BEACH, FL 33160-3482 |
| Name | Verified Name |
|---|---|
| Address | 50 SPRUCE RUN, RAMSEY, NJ 07446-2521 |
| Document Number | 2025077447 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 2025077447 |
| Name | FM HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
The 2025 property tax bill for 50 Spruce Run was $12,578, down 3.9% from the year before.
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 | $661,200 (+8.23%) Land $205,000 Building $456,200 | $661,200 (+8.23%) Land $205,000 Building $456,200 | |
| 2025 | $12,578.00 (-3.87%) | $610,900 Land $200,000 Building $410,900 | $610,900 Land $200,000 Building $410,900 |
| 2024 | $13,085.00 | ||
| 2023 | $463,700 Land $190,000 Building $273,700 | $463,700 Land $190,000 Building $273,700 | |
| 2022 | $12,162.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 50 Spruce Run in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 50 Spruce Run 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 94% of the US · lower than 85% 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: 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 267 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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