Bergen County and Ramsey Borough property record for 50 White Ter, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,397 sqft · built 1953 |
| Lot Size | 0.316 acres (13,765 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $925,000 (Apr 2023) |
| Tax Bill | $16,064 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Nov 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04603-0000-00020 |
| Primary APN | 48-04603-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,397 sqft Living Area |
| 1st Floor Area | 2,397 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 13,765 sqft (0.316 acres) |
| Lot Dimensions | 145 ft deep x 95 ft wide |
| Street Address | 50 WHITE TER |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.316AC |
| Legal Subdivision | FRANK J RUSSO |
| Legal Block | 4603 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 44202 |
50 White Ter is owned and occupied by two individuals who bought it in April 2023.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 50 WHITE TER, RAMSEY, NJ 07446-1617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 21, 2023 | Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA |
| Mar 3, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage COLUMBIA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2023 · Amount on File |
| Deed Sale | Apr 21, 2023 · Amount on File |
| Prior Sale | Mar 3, 2021 · Amount on File |
| Deed Document Number | 202327050 |
| Deed Book / Page | 4977 / 64 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 21, 2023 |
| Property Address | 50 WHITE TER, RAMSEY, NJ 07446-1617 |
| Document Number | 0049770064 |
| Book / Page | 4977 / 64 |
| Instrument Date | Apr 13, 2023 |
| Instrument | 2023027050 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,705.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 250 SADDLE RIVER RD, SADDLE BROOK, NJ 07663-4619 |
| Name | Verified Name |
|---|---|
| Address | 50 WHITE TER, RAMSEY, NJ 07446-1617 |
| Document Number | 2023027051 |
|---|---|
| Date | Apr 21, 2023 |
| Instrument | 2023027051 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 50 WHITE TER, RAMSEY, NJ 07446-1617 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0048580219 |
|---|---|
| Date | Nov 10, 2022 |
| Book Page | 4858/219 |
| Instrument | 2022106975 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 28, 2052 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 3, 2021 |
| Property Address | 50 WHITE TER, RAMSEY, NJ 07446-1617 |
| Document Number | 0039901900 |
| Book / Page | 3990 / 1900 |
| Instrument Date | Dec 29, 2020 |
| Instrument | 2021029539 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,372.45 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 301 DERBY RD, 301, MIDDLETOWN, NY 10940-7294 |
| Name | Verified Name |
|---|---|
| Address | 50 WHITE TER, RAMSEY, NJ 07446-1617 |
| Document Number | 2021029540 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 2021029540 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 50 White Ter was $16,064, down 6.6% 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 | $796,900 (+2.14%) Land $342,400 Building $454,500 | $796,900 (+2.14%) Land $342,400 Building $454,500 | |
| 2025 | $16,064.00 (-6.57%) | $780,200 Land $307,400 Building $472,800 | $780,200 Land $307,400 Building $472,800 |
| 2024 | $17,194.00 | ||
| 2023 | $608,900 Land $258,700 Building $350,200 | $608,900 Land $258,700 Building $350,200 | |
| 2022 | $10,772.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 50 White Ter in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.
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 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 50 White Ter 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 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 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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