Bergen County and Ramsey Borough property record for 86 Orchard Pl, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,666 sqft · built 1977 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $919,100 (Jun 2022) |
| Tax Bill | $19,701 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-02901-0000-00008 |
| Primary APN | 48-02901-0000-00008 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,666 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 86 ORCHARD PL |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2488 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.230AC |
| Legal Block | 2901 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 44100 |
86 Orchard Pl is owned and occupied by two individuals who bought it in June 2022.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 86 ORCHARD PL, RAMSEY, NJ 07446-2488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 23, 2022 | Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Aug 17, 2020 | Deed of Trust, Mortgage · Line of Credit BLUE FOUNDRY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2022 · Amount on File |
| Deed Sale | Jun 23, 2022 · Amount on File |
| Prior Sale | May 6, 2005 · Amount on File |
| Deed Document Number | 202263312 |
| Deed Book / Page | 4719 / 1542 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 23, 2022 |
| Property Address | 86 ORCHARD PL, RAMSEY, NJ 07446-2488 |
| Document Number | 0047191542 |
| Book / Page | 4719 / 1542 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 2022063312 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | KINGSBRIDGE TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,641.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 62 PROSPECT ST, 62, RAMSEY, NJ 07446-2540 |
| Name | Verified Name |
|---|---|
| Address | 86 ORCHARD PL, RAMSEY, NJ 07446-2488 |
| Document Number | 2022063313 |
|---|---|
| Date | Jun 23, 2022 |
| Instrument | 2022063313 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.5% |
| Index | Other |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 86 ORCHARD PL, RAMSEY, NJ 07446-2488 |
| Document Number | 0037371501 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 86 ORCHARD PL RAMSEY NJ 074462488, RAMSEY, NJ 07446-2488 |
| Document Number | 0037371501 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 003737/001501 |
| Instrument | 95065 |
| Name | BLUE FOUNDRY BK |
|---|---|
| Address | RUTHERFORD, NJ 07070 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 29, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 86 Orchard Pl was $19,701, down 7.1% 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 | $987,300 (+3.19%) Land $384,500 Building $602,800 | $987,300 (+3.19%) Land $384,500 Building $602,800 | |
| 2025 | $19,701.00 (-7.14%) | $956,800 Land $359,500 Building $597,300 | $956,800 Land $359,500 Building $597,300 |
| 2024 | $21,215.00 | ||
| 2023 | $751,800 Land $312,300 Building $439,500 | $751,800 Land $312,300 Building $439,500 | |
| 2022 | $19,719.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Orchard Pl 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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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.
Wildfire risk around 86 Orchard Pl 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 94% of the US · lower than 85% 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 283 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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