Bergen County and Ramsey Borough property record for 81 W Main St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,217 sqft · built 1930 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | Individual Name on File |
| Last Sale | $535,000 (Feb 2017) |
| Tax Bill | $13,439 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Feb 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-02307-0000-00009 |
| Primary APN | 48-02307-0000-00009 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,217 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 5,706 sqft (0.131 acres) |
| Lot Dimensions | 106 ft deep x 54 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 81 W MAIN ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B1 |
| Legal Description | 0.131AC |
| Legal Block | 2307 |
| Legal Lot Number | 9 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 44100 |
81 W Main St is owned by an individual who bought it in February 2017.
Source: Bergen County and Ramsey Borough records, as of October 20, 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 | Individual Name on File |
|---|---|
| Mailing Address | 160 ACKERMAN AVE, RIDGEWOOD, NJ 07450-4204 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Feb 17, 2017 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2017 · Amount on File |
| Deed Sale | Feb 17, 2017 · Amount on File |
| Prior Sale | Mar 2, 2012 · Amount on File |
| Deed Document Number | 201715885 |
| Deed Book / Page | 2539 / 2155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 81 W MAIN ST, RAMSEY, NJ 07446-1843 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2021 |
| Title Company | CHANCELLOR TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0039071817 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 3907/1817 |
| Instrument | 21-004514 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 17, 2017 |
| Property Address | 81 W MAIN ST, RAMSEY, NJ 07446-1843 |
| Document Number | 0025392155 |
| Book / Page | 002539 / 002155 |
| Instrument Date | Jan 12, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $535.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 81 W Main St was $13,439, up 6.1% 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 | $656,100 (+0.52%) Land $281,000 Building $375,100 | $656,100 (+0.52%) Land $281,000 Building $375,100 | |
| 2025 | $13,439.00 (+6.14%) | $652,700 Land $281,000 Building $371,700 | $652,700 Land $281,000 Building $371,700 |
| 2024 | $12,662.00 | ||
| 2023 | $448,700 Land $173,300 Building $275,400 | $448,700 Land $173,300 Building $275,400 | |
| 2022 | $11,769.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 W Main St in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2005–2011) |
| Most Recent Claim | Sep 2011 · rainfall accumulation |
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.
The area around 81 W Main St has no burnable land within ember reach, so its wildfire risk is not rated.
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 285 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures