Bergen County and Ramsey Borough property record for 55 Debaun Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 4,022 sqft · built 1993 |
| Lot Size | 1.12 acres (49,005 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $20,302 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04701-0000-00021-01 |
| Primary APN | 48-04701-0000-00021-01 |
|---|---|
| Alternative APN |
|
| Building Area | 4,022 sqft Living Area |
|---|
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Lot Area | 49,005 sqft (1.12 acres) |
| Old Parcel Number | 48047010000000211 |
|---|---|
| Street Address | 55 DEBAUN AVE |
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.125AC |
| Legal Block | 4701 |
| Legal Lot Number | 21.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 44202 |
Source: Bergen County and Ramsey Borough records, as of October 13, 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 | 55 DEBAUN AVE, RAMSEY, NJ 07446-1620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2017 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SPENCER SAVINGS BANK SLA |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GLEN ROCK SVGS BK |
| Sep 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SPENCER SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 55 DEBAUN AVE, RAMSEY, NJ 07446-1620 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0026150582 |
|---|---|
| Date | May 19, 2017 |
| Book Page | 02615/0582 |
| Instrument | 17-039101 |
| Name | SPENCER SAVINGS BANK SLA |
|---|---|
| Type | Lending Institution |
| Address | ELMWOOD PARK, NJ 07407 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 10, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 55 DEBAUN AVE, RAMSEY, NJ 07446-1620 |
| Document Number | 0039341046 |
| Instrument Date | Nov 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 55 DEBAUN AVE RAMSEY NJ 074461620, RAMSEY, NJ 07446-1620 |
| Document Number | 0039341046 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 003934/001046 |
| Name | GLEN ROCK SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | HAWTHORNE, NJ 07506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 27, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 55 DEBAUN AVE, RAMSEY, NJ 07446-1620 |
| Document Number | 0033511929 |
| Instrument Date | Sep 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 55 DEBAUN AVE RAMSEY NJ 074461620, RAMSEY, NJ 07446-1620 |
| Document Number | 0033511929 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 003351/001929 |
| Instrument | 61722 |
| Name | SPENCER SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | ELMWOOD PARK, NJ 07407 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 16, 2039 |
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 | $1,023,800 (+3.83%) Land $342,800 Building $681,000 | $1,023,800 (+3.83%) Land $342,800 Building $681,000 | |
| 2025 | $20,302.00 (-1.96%) | $986,000 (+34.37%) Land $311,300 Building $674,700 | $986,000 (+34.37%) Land $311,300 Building $674,700 |
| 2024 | $20,707.00 (+7.59%) | ||
| 2023 | $733,800 Land $255,800 Building $478,000 | $733,800 Land $255,800 Building $478,000 | |
| 2022 | $19,247.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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 233 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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