Bergen County and Ramsey Borough property record for 59 E Oak St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,446 sqft · built 1959 |
| Lot Size | 0.395 acres (17,206 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Oct 2022) |
| Tax Bill | $18,895 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-02802-0000-00076 |
| Primary APN | 48-02802-0000-00076 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,446 sqft Living Area |
| 1st Floor Area | 2,446 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Frame |
| Lot Area | 17,206 sqft (0.395 acres) |
| Lot Dimensions | 172 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 59 E OAK ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.395AC |
| Legal Block | 2802 |
| Legal Lot Number | 76 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 44100 |
59 E Oak St is owned and occupied by two individuals who bought it in October 2022.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 59 E OAK ST, RAMSEY, NJ 07446-2329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 12, 2022 | Deed, Transfer · Conventional Mortgage HSBC BANK USA |
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Feb 7, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2022 · Amount on File |
| Deed Sale | Oct 12, 2022 · Amount on File |
| Prior Sale | Feb 7, 2018 · Amount on File |
| Deed Document Number | 202298875 |
| Deed Book / Page | 4832 / 1474 |
| Prior Transfer Date | Apr 23, 1999 |
| Prior Transfer Doc | 0000067371 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 12, 2022 |
| Property Address | 59 E OAK ST, RAMSEY, NJ 07446-2329 |
| Document Number | 0048321474 |
| Book / Page | 4832 / 1474 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 2022098875 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2022 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,835.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59 E OAK ST, 59, RAMSEY, NJ 07446-2329 |
| Name | Verified Name |
|---|---|
| Address | 59 E OAK ST, RAMSEY, NJ 07446-2329 |
| Document Number | 2022098876 |
|---|---|
| Date | Oct 12, 2022 |
| Instrument | 2022098876 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.24% |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.24% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.24% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 59 E OAK ST, RAMSEY, NJ 07446-2329 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040970747 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 4097/747 |
| Instrument | 2021062432 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 7, 2018 |
| Property Address | 59 E OAK ST, RAMSEY, NJ 07446-2329 |
| Document Number | 0028590884 |
| Book / Page | 2859 / 884 |
| Instrument Date | Jan 16, 2018 |
| Instrument | 00018-010266 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 59 E OAK ST, RAMSEY, NJ 07446-2329 |
The 2025 property tax bill for 59 E Oak St was $18,895, down 3.4% 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 | $947,600 (+3.26%) Land $403,600 Building $544,000 | $947,600 (+3.26%) Land $403,600 Building $544,000 | |
| 2025 | $18,895.00 (-3.35%) | $917,700 Land $378,600 Building $539,100 | $917,700 Land $378,600 Building $539,100 |
| 2024 | $19,550.00 | ||
| 2023 | $692,800 Land $277,800 Building $415,000 | $692,800 Land $277,800 Building $415,000 | |
| 2022 | $18,172.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 59 E Oak St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1992.
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 | 6 in force |
| Nearby Flood Claims | 3 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 59 E Oak St 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 | 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 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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