Bergen County and Ramsey Borough property record for 78 Deer Trl, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,172 sqft · built 1968 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Company Name on File |
| Last Sale | $373,600 (Nov 1996) |
| Tax Bill | $23,100 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage May 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03001-0000-00005 |
| Primary APN | 48-03001-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,172 sqft Living Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Frame |
| Lot Area | 40,075 sqft (0.92 acres) |
| Lot Dimensions | 179 ft deep x 224 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 78 DEER TRL |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 0.920AC |
| Legal Subdivision | WHITE OAK STATE ESTATES SEC 1 |
| Legal Block | 3001 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 44100 |
78 Deer Trl is owned by a company that bought it in November 1996.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 78 DEER TRL, RAMSEY, NJ 07446-2110 |
| Owner Type | Company |
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 |
|---|---|
| Jan 4, 2023 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 14, 2018 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 7, 1996 · Amount on File |
| Deed Sale | Nov 7, 1996 · Amount on File |
| Deed Book / Page | 7925 / 340 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 78 DEER TRL, RAMSEY, NJ 07446-2110 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0048941510 |
|---|---|
| Date | Jan 4, 2023 |
| Book Page | 4894/1510 |
| Instrument | 2023000555 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 78 DEER TRL, RAMSEY, NJ 07446-2110 |
| Document Number | 0029640057 |
| Instrument Date | May 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2018 |
| Title Company | ISGN |
| Name | Verified Name |
|---|---|
| Address | 78 DEER TRL RAMSEY NJ 074462110, RAMSEY, NJ 07446-2110 |
| Document Number | 0029640057 |
|---|---|
| Date | Jun 12, 2018 |
| Book Page | 002964/000057 |
| Instrument | 40904 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 78 Deer Trl was $23,100, down 1.4% 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 | $1,116,900 (-0.45%) Land $455,200 Building $661,700 | $1,116,900 (-0.45%) Land $455,200 Building $661,700 | |
| 2025 | $23,100.00 (-1.41%) | $1,121,900 Land $455,200 Building $666,700 | $1,121,900 Land $455,200 Building $666,700 |
| 2024 | $23,431.00 | ||
| 2023 | $830,300 Land $346,000 Building $484,300 | $830,300 Land $346,000 Building $484,300 | |
| 2022 | $21,778.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Deer Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.
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 Claims | 1 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1980 · 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 78 Deer Trl is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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