89 W Main St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 89 W Main St, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	1,622 sqft · built 2005
Lot Size	0.252 acres (10,977 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Jun 2021)
Tax Bill	$11,777 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-02307-0000-00010-0000-C0002`

Property Details

APN / Parcel Number

Primary APN	`48-02307-0000-00010-0000-C0002`
Alternative APN	`4802307000000010C0002`

Interior

Stories	2 Stories
Building Area	1,622 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Construction Type	Frame
Lot Area	10,977 sqft (0.252 acres)

Location & Zoning

Street Address	89 W MAIN ST, 2
City	RAMSEY
State	NJ
Zip	07446-1843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.252AC
Legal Subdivision	WYCKOFF TWNHSE PROJECT
Legal Block	2307
Legal Lot Number	10
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	2
Census Block	2011
Census Tract	44100

Owner

89 W Main St is owned by an individual who bought it in June 2021.

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	Individual Name on File
Mailing Address	89 W MAIN ST, B, RAMSEY, NJ 07446-1843
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Prior Sale	Mar 27, 2012 · Amount on File
Deed Document Number	2021101592
Deed Book / Page	4232 / 1549
Prior Transfer Date	Mar 12, 2021
Prior Transfer Doc	0042321549
Record Updated	Oct 29, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 24, 2021
Property Address	89 W MAIN ST, RAMSEY, NJ 07446-1843
Document Number	0042321549
Book / Page	4232 / 1549
Instrument Date	Mar 12, 2021
Instrument	2021101592
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	SURETY TITLE SERVICES/FL INC, SURETY TITLE SVCS OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	89 W MAIN STB, 89, RAMSEY, NJ 07446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 W MAIN ST # B, B, RAMSEY, NJ 07446-1843

Mortgage

Document Number	2021101593
Date	Jun 24, 2021
Instrument	2021101593

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 89 W Main St was $11,777, down 7.7% from the year before.

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$574,700 (+0.47%) Land $275,000 Building $299,700	$574,700 (+0.47%) Land $275,000 Building $299,700
2025	$11,777.00 (-7.71%)	$572,000 Land $275,000 Building $297,000	$572,000 Land $275,000 Building $297,000
2024	$12,761.00
2023		$452,200 Land $225,000 Building $227,200	$452,200 Land $225,000 Building $227,200
2022	$11,861.00

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

Flood

FEMA maps place 89 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.

Wildfire

The area around 89 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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