Bergen County and Ramsey Borough property record for 63 S Spruce St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,352 sqft · built 1979 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Jul 2012) |
| Tax Bill | $16,274 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 48-04905-0000-00008 |
| Primary APN | 48-04905-0000-00008 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,352 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Triplex |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Street Address | 63 S SPRUCE ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B1 |
| Legal Description | 0.230AC |
| Legal Block | 4905 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 44201 |
63 S Spruce St is owned by two individuals who bought it in July 2012.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 606 FREELAND AVE, PARAMUS, NJ 07652-1917 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2012 · Amount on File |
| Deed Sale | Jul 10, 2012 · Amount on File |
| Prior Sale | Aug 29, 2008 |
| Deed Document Number | 201265244 |
| Deed Book / Page | 1089 / 1604 |
| Prior Transfer Date | Jun 7, 2012 |
| Prior Transfer Doc | 0010891604 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 63 S Spruce St was $16,274, up 0.9% 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 | $794,600 (+0.53%) Land $330,000 Building $464,600 | $794,600 (+0.53%) Land $330,000 Building $464,600 | |
| 2025 | $16,274.00 (+0.89%) | $790,400 Land $330,000 Building $460,400 | $790,400 Land $330,000 Building $460,400 |
| 2024 | $16,131.00 | ||
| 2023 | $571,600 Land $247,500 Building $324,100 | $571,600 Land $247,500 Building $324,100 | |
| 2022 | $14,993.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 63 S Spruce St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 63 S Spruce 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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