Bergen County and Ramsey Borough property record for 7 White Ter, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,239 sqft · built 1953 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $27,000 (May 2002) |
| Tax Bill | $9,737 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04603-0000-00029 |
| Primary APN | 48-04603-0000-00029 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,239 sqft Living Area |
| 1st Floor Area | 1,239 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 10,498 sqft (0.241 acres) |
| Lot Dimensions | 131 ft deep x 80 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 7 WHITE TER |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.241AC |
| Legal Subdivision | SUBDIVISION FOR FRANK J RUSSO |
| Legal Block | 4603 |
| Legal Lot Number | 29 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 44202 |
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 7 WHITE TER, RAMSEY, NJ 07446-1616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2002 · Amount on Record |
| Deed Sale | May 7, 2002 · Amount on Record |
| Prior Sale | Jul 2, 1993 · Amount on Record |
| Deed Book / Page | 8467 / 533 |
| Prior Transfer Date | Oct 19, 2001 |
| Prior Transfer Doc | 8467000533 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 7 WHITE TER, RAMSEY, NJ 07446-1616 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7 WHITE TER, RAMSEY, NJ 07446-1616 |
| Document Number | 0040810081 |
|---|---|
| Date | Apr 15, 2021 |
| Book Page | 4081/81 |
| Instrument | 2021057352 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Mar 2, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $509,500 (+7.74%) Land $331,200 Building $178,300 | $509,500 (+7.74%) Land $331,200 Building $178,300 | |
| 2025 | $9,737.00 (-8.84%) | $472,900 (+24.94%) Land $296,200 Building $176,700 | $472,900 (+24.94%) Land $296,200 Building $176,700 |
| 2024 | $10,681.00 (+7.58%) | ||
| 2023 | $378,500 Land $253,100 Building $125,400 | $378,500 Land $253,100 Building $125,400 | |
| 2022 | $9,928.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 9 (1990–2021) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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