85 Elbert Ct, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 85 Elbert Ct, Ramsey, NJ 07446 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,531 sqft · built 1952
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$529,000 (Dec 2018)
Tax Bill	$15,039 (2025)
Deeds & Mortgages	May 2020 Mortgage Dec 2018 Sale & Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-01102-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`48-01102-0000-00027`
Alternative APN	`480110200027`

Interior

Stories	1 Story
Building Area	1,531 sqft Living Area
1st Floor Area	1,531 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	165 ft deep x 75 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	85 ELBERT CT
City	RAMSEY
State	NJ
Zip	07446-1074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.215AC
Legal Subdivision	REVIEW HEIGHTS SEC 1
Legal Block	1102
Legal Lot Number	27
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1000
Census Tract	44100

Owner

Source: Bergen County and Ramsey Borough records · APN 48-01102-0000-00027

Assessment roll updated June 29, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	85 ELBERT CT, RAMSEY, NJ 07446-1074
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Dec 28, 2018	Deed, Transfer · Stand-Alone Refinance WELLS FARGO BANK NA
Aug 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Prior Sale	Aug 10, 1995 · Amount on Record
Deed Document Number	201890763
Deed Book / Page	3140 / 1932
Prior Transfer Date	Jul 10, 2018
Prior Transfer Doc	0030392187
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	85 ELBERT CT, RAMSEY, NJ 07446-1074
Document Number	0036090163
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 ELBERT CT RAMSEY NJ 074461074, RAMSEY, NJ 07446-1074

Mortgage

Document Number	0036090163
Date	May 28, 2020
Book Page	003609/000163
Instrument	20052911

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 28, 2018
Property Address	85 ELBERT CT, RAMSEY, NJ 07446-1074
Document Number	0031401932
Book / Page	3140 / 1932
Instrument Date	Dec 19, 2018
Instrument	18-090763
Transaction Type	Transfer
Record Updated	Nov 02, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 ELBERT CT, RAMSEY, NJ 07446-1074

Mortgage

Document Number	0031401939
Date	Dec 28, 2018
Book Page	3140/1939
Instrument	2018-090763.01

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 29, 2018
Property Address	85 ELBERT CT, RAMSEY, NJ 07446-1074
Document Number	0030392187
Book / Page	003039 / 002187
Instrument Date	Aug 10, 2018
Instrument	62016
Transaction Type	Transfer
Record Updated	Sep 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 ELBERT CT RAMSEY NJ 074461074, RAMSEY, NJ 07446-1074

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$733,500 (+0.42%) Land $397,300 Building $336,200	$733,500 (+0.42%) Land $397,300 Building $336,200
2025	$15,039.00 (+7.55%)	$730,400 (+47.41%) Land $397,300 Building $333,100	$730,400 (+47.41%) Land $397,300 Building $333,100
2024	$13,983.00 (+7.59%)
2023		$495,500 Land $266,100 Building $229,400	$495,500 Land $266,100 Building $229,400
2022	$12,996.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030441001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 14 individual NFIP policies nearby
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 61 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Fiber	8,000 / 8,000
Verizon	Fiber	2,300 / 2,300
Optimum Communications	Cable	940 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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