Bergen County and Ramsey Borough property record for 5305 Christopher St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 600 sqft · built 1964 |
| Lot Size | 0.641 acres (27,922 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $238,000 (Mar 2025) |
| Tax Bill | $4,804 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04601-0000-00045-0000-C5305 |
| Primary APN | 48-04601-0000-00045-0000-C5305 |
|---|---|
| Alternative APNs |
|
| Building Area | 600 sqft Living Area |
|---|
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Condo/Apartment |
| Lot Area | 27,922 sqft (0.641 acres) |
| Old Parcel Number | 48046010000000450000C053E |
|---|---|
| Street Address | 5305 CHRISTOPHER ST |
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1931 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.641AC |
| Legal Subdivision | WASHINGTON DRIVE |
| Legal Block | 4601 |
| Legal Lot Number | 45 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 44202 |
Source: Bergen County and Ramsey Borough records, as of June 29, 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 Record |
|---|---|
| Mailing Address | 5305 CHRISTOPHER ST, RAMSEY, NJ 07446-1931 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2022 | Deed, Transfer · Conventional Mortgage FREEDOM BANK |
| May 20, 2020 | Deed of Trust, Mortgage · Line of Credit LAKELAND BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2025 · Amount on Record |
| Deed Sale | Mar 12, 2025 · Amount on Record |
| Prior Sale | Oct 6, 2022 · Amount on Record |
| Deed Document Number | 202517894 |
| Deed Book / Page | 5450 / 1929 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 6, 2022 |
| Property Address | 5305 CHRISTOPHER ST, RAMSEY, NJ 07446-1931 |
| Document Number | 0048291413 |
| Book / Page | 4829 / 1413 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 2022097880 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2023 |
| Title Company | GRANDVIEW TITLE AGENCY/BERGEN CN, GRANDVIEW TTL AGCY OF BERGEN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,005.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 32 FREDERICK ST, WALDWICK, NJ 07463-1821 |
| Name | Verified Name |
|---|---|
| Address | 655 LOTUS AVE, ORADELL, NJ 07649-1442 |
| Investor | Possibly a Property Investor |
| Document Number | 2022097881 |
|---|---|
| Date | Oct 6, 2022 |
| Instrument | 2022097881 |
| Name | FREEDOM BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 5305 CHRISTOPHER ST, RAMSEY, NJ 07446-1931 |
| Document Number | 0037540519 |
| Instrument Date | May 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2020 |
| Title Company | SEARCHTEC INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5305 CHRISTOPHER ST RAMSEY NJ 074461931, RAMSEY, NJ 07446-1931 |
| Document Number | 0037540519 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 003754/000519 |
| Instrument | 99882 |
| Name | LAKELAND BK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $244,100 (+4.63%) Land $160,000 Building $84,100 | $244,100 (+4.63%) Land $160,000 Building $84,100 | |
| 2025 | $4,804.00 (+19.74%) | $233,300 (+64.06%) Land $150,000 Building $83,300 | $233,300 (+64.06%) Land $150,000 Building $83,300 |
| 2024 | $4,012.00 (+7.59%) | ||
| 2023 | $142,200 (-) Land $85,000 Building $57,200 | $142,200 (-) Land $85,000 Building $57,200 | |
| 2022 | $3,729.00 (+1.14%) | $142,200 Land $85,000 Building $57,200 | $142,200 Land $85,000 Building $57,200 |
| 2021 | $3,687.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2007 · 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.
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 373 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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