Bergen County and Ramsey Borough property record for 62 Prospect St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,418 sqft · built 1920 |
| Lot Size | 0.388 acres (16,901 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $19,285 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00011 |
| Primary APN | 48-04905-0000-00011 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,418 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Lot Area | 16,901 sqft (0.388 acres) |
| Lot Dimensions | 178 ft deep x 95 ft wide |
| Street Address | 62 PROSPECT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B1 |
| Legal Description | 0.388AC |
| Legal Block | 4905 |
| Legal Lot Number | 11 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 44201 |
62 Prospect St is owned and occupied by two individuals.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 62 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| 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 |
|---|---|
| Aug 18, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Aug 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 62 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0050601811 |
|---|---|
| Date | Aug 18, 2023 |
| Book Page | 5060/1811 |
| Instrument | 2023053709 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 4, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 62 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0047921522 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 4792/1522 |
| Instrument | 2022086513 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2037 |
The 2025 property tax bill for 62 Prospect St was $19,285, down 4.4% 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 | $941,400 (+0.51%) Land $409,000 Building $532,400 | $941,400 (+0.51%) Land $409,000 Building $532,400 | |
| 2025 | $19,285.00 (-4.37%) | $936,600 Land $409,000 Building $527,600 | $936,600 Land $409,000 Building $527,600 |
| 2024 | $20,166.00 | ||
| 2023 | $714,600 Land $326,500 Building $388,100 | $714,600 Land $326,500 Building $388,100 | |
| 2022 | $18,743.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 62 Prospect St 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 62 Prospect 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 | 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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