Bergen County and Ramsey Borough property record for 71 Birch St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,628 sqft · built 1983 |
| Lot Size | 0.252 acres (10,977 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $751,000 (May 2018) |
| Tax Bill | $20,623 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Nov 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04502-0000-00006-02 |
| Primary APN | 48-04502-0000-00006-02 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,628 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Construction Type | Frame |
| Lot Area | 10,977 sqft (0.252 acres) |
| Lot Dimensions | 110 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 48045020000000062 |
|---|---|
| Street Address | 71 BIRCH ST |
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.252AC |
| Legal Block | 4502 |
| Legal Lot Number | 6.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 44202 |
71 Birch St is owned and occupied by two individuals who bought it in May 2018.
Source: Bergen County and Ramsey Borough records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 71 BIRCH ST, RAMSEY, NJ 07446-1501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Nov 1, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| May 22, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2018 · Amount on File |
| Deed Sale | May 22, 2018 · Amount on File |
| Prior Sale | May 15, 2000 · Amount on File |
| Deed Document Number | 201818-036045 |
| Deed Book / Page | 2947 / 1655 |
| Prior Transfer Date | Jan 25, 1999 |
| Prior Transfer Doc | 0000022814 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 71 BIRCH ST, RAMSEY, NJ 07446-1501 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0056341264 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | 5634/1264 |
| Instrument | 2025074015 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 71 BIRCH ST, RAMSEY, NJ 07446-1501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0033952059 |
|---|---|
| Date | Nov 1, 2019 |
| Book Page | 3395/2059 |
| Instrument | 19-074460 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 22, 2018 |
| Property Address | 71 BIRCH ST, RAMSEY, NJ 07446-1501 |
| Document Number | 0029471655 |
| Book / Page | 2947 / 1655 |
| Instrument Date | May 9, 2018 |
| Instrument | 00018-036045 |
| 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 | 71 BIRCH ST, RAMSEY, NJ 07446-1501 |
The 2025 property tax bill for 71 Birch St was $20,623, down 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 | $1,042,100 (+4.04%) Land $437,800 Building $604,300 | $1,042,100 (+4.04%) Land $437,800 Building $604,300 | |
| 2025 | $20,623.00 (-8.98%) | $1,001,600 Land $402,800 Building $598,800 | $1,001,600 Land $402,800 Building $598,800 |
| 2024 | $22,657.00 | ||
| 2023 | $802,900 Land $300,200 Building $502,700 | $802,900 Land $300,200 Building $502,700 | |
| 2022 | $21,060.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 71 Birch St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 (1979–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 1984 · tidal / storm surge |
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 71 Birch 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 97% of the US · lower than 92% 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 373 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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