Bergen County and Ramsey Borough property record for 55 Spruce Run, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,366 sqft · built 1983 |
| Lot Size | 0.024 acres (1,039 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $554,500 (Feb 2020) |
| Tax Bill | $14,372 (2025) |
| Deeds & Mortgages | Jan 2017 Line of Credit Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0055 |
| Primary APN | 48-04905-0000-00042-0000-C0055 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,366 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,039 sqft (0.024 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 55 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2565 |
| 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 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 55 SPRUCE RUN, RAMSEY, NJ 07446-2565 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2017 | Deed of Trust, Mortgage · Line of Credit LAKELAND BANK |
| Feb 4, 2020 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2020 · Amount on File |
| Deed Sale | Feb 4, 2020 · Amount on File |
| Prior Sale | Sep 5, 1995 · Amount on File |
| Deed Document Number | 202012943 |
| Deed Book / Page | 3490 / 811 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 55 SPRUCE RUN, RAMSEY, NJ 07446-2565 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024941988 |
|---|---|
| Date | Jan 6, 2017 |
| Book Page | 02494/1988 |
| Instrument | 17-002184 |
| Name | LAKELAND BANK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Dec 22, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 4, 2020 |
| Property Address | 55 SPRUCE RUN, RAMSEY, NJ 07446-2565 |
| Document Number | 0034900811 |
| Book / Page | 003490 / 000811 |
| Instrument Date | Nov 8, 2019 |
| Instrument | 20012943 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2020 |
| Title Company | MAIN STREET TITLE AND SETTLEMENT, MAIN STREET TITLE & SETTLEMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 55 SPRUCE RUN RAMSEY NJ 074462565, RAMSEY, NJ 07446-2565 |
| Document Number | 34900818 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | 003490/000818 |
| Instrument | 20012944 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 3, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
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 | $707,600 (+1.38%) Land $205,000 Building $502,600 | $707,600 (+1.38%) Land $205,000 Building $502,600 | |
| 2025 | $14,372.00 (-2.62%) | $698,000 (+33.46%) Land $200,000 Building $498,000 | $698,000 (+33.46%) Land $200,000 Building $498,000 |
| 2024 | $14,759.00 (+7.59%) | ||
| 2023 | $523,000 Land $190,000 Building $333,000 | $523,000 Land $190,000 Building $333,000 | |
| 2022 | $13,718.00 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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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