Bergen County and Ramsey Borough property record for 59 Spruce Run, Ramsey, NJ 07446
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2,280 sqft · built 1983 |
| Lot Size | 0.023 acres (1,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $665,000 (Nov 2023) |
| Tax Bill | $13,435 (2024) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00042-0000-C0059 |
| Primary APN | 48-04905-0000-00042-0000-C0059 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,280 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 1,018 sqft (0.023 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 59 SPRUCE RUN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2565 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Legal Description | DISABLED VETERAN |
| 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 |
59 Spruce Run is owned by two individuals who bought it in November 2023.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6 WREN CT, COMMACK, NY 11725-2520 |
| 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 |
|---|---|
| Nov 27, 2023 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 17, 2019 | Deed with Mortgage, Transfer GARY D'AGOSTINO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2023 · Amount on File |
| Deed Sale | Nov 27, 2023 · Amount on File |
| Prior Sale | Jul 17, 2019 · Amount on File |
| Deed Document Number | 202376386 |
| Deed Book / Page | 5132 / 68 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 27, 2023 |
| Property Address | 59 SPRUCE RUN, RAMSEY, NJ 07446-2565 |
| Document Number | 0051320068 |
| Book / Page | 5132 / 68 |
| Instrument Date | Nov 14, 2023 |
| Instrument | 2023076386 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,874.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59 SPRUCE RUN, RAMSEY, NJ 07446-2565 |
| Name | Verified Name |
|---|---|
| Address | 6 WREN CT, COMMACK, NY 11725-2520 |
| Document Number | 2023076387 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 2023076387 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 17, 2019 |
| Property Address | 59 SPRUCE RUN, RAMSEY, NJ 07446-2565 |
| Document Number | 0032970108 |
| Book / Page | 003297 / 000108 |
| Instrument Date | Jun 3, 2019 |
| Instrument | 46064 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2019 |
| Title Company | AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 59 SPRUCE RUN RAMSEY NJ 074462565, RAMSEY, NJ 07446-2565 |
| Document Number | 32970114 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 003297/000114 |
| Instrument | 46064 |
| Name | GARY D'AGOSTINO |
|---|---|
| Address | 902 S FEDERAL HWY # 7, LAKE WORTH, FL 33460-5129 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 16, 2049 |
| 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 | $626,000 (+1.44%) Land $205,000 Building $421,000 | $626,000 (+1.44%) Land $205,000 Building $421,000 | |
| 2025 | $617,100 Land $200,000 Building $417,100 | $617,100 Land $200,000 Building $417,100 | |
| 2024 | $13,435.00 | ||
| 2023 | $476,100 (-) Land $190,000 Building $286,100 | $476,100 (-) Land $190,000 Building $286,100 | |
| 2022 | $12,488.00 (+1.16%) | $476,100 Land $190,000 Building $286,100 | $476,100 Land $190,000 Building $286,100 |
| 2021 | $12,345.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 59 Spruce Run in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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.
Wildfire risk around 59 Spruce Run 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 | 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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