Bergen County and Ramsey Borough property record for 90 Prospect St, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,304 sqft · built 1900 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $606,000 (Jul 2019) |
| Tax Bill | $16,869 (2025) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage Nov 2018 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04905-0000-00015 |
| Primary APN | 48-04905-0000-00015 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,304 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 40,075 sqft (0.92 acres) |
| Lot Dimensions | 334 ft deep x 120 ft wide |
| Street Address | 90 PROSPECT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.920AC |
| Legal Block | 4905 |
| Legal Lot Number | 15 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 44201 |
90 Prospect St is owned by an individual who bought it in July 2019.
Source: Bergen County and Ramsey Borough records, as of October 19, 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 | 20 W LINDEN AVE, DUMONT, NJ 07628-1519 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 5, 2019 | Deed with Mortgage, Transfer · Conventional Mortgage AMRES CORP |
| Nov 29, 2018 | Quit Claim Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| May 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2019 · Amount on File |
| Deed Sale | Jul 5, 2019 · Amount on File |
| Prior Sale | Oct 29, 2014 · Amount on File |
| Deed Document Number | 201943457 |
| Deed Book / Page | 3287 / 1467 |
| Prior Transfer Date | Aug 3, 2000 |
| Prior Transfer Doc | 0000107656 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 5, 2019 |
| Property Address | 90 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Document Number | 0032871467 |
| Book / Page | 003287 / 001467 |
| Instrument Date | May 30, 2019 |
| Instrument | 43457 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2019 |
| Title Company | SUNNYSIDE TITLE AGENCY, SUNNYSIDE TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $606.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 119 CENTRAL AVE OLD TAPPAN NJ 076757307, OLD TAPPAN, NJ 07675-7307 |
| Document Number | 32871472 |
|---|---|
| Date | Jul 5, 2019 |
| Book Page | 003287/001472 |
| Instrument | 43457 |
| Name | AMRES CORP |
|---|---|
| Address | FEASTERVILLE TREVOSE, PA 19053 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 4, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 29, 2018 |
| Property Address | 90 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Document Number | 0031180299 |
| Book / Page | 003118 / 000299 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 83910 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2018 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4 COLLETTE DR RAMSEY NJ 074461344, RAMSEY, NJ 07446-1344 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 90 PROSPECT ST, RAMSEY, NJ 07446-2540 |
| Document Number | 0029450495 |
| Instrument Date | May 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 90 PROSPECT ST RAMSEY NJ 074462540, RAMSEY, NJ 07446-2540 |
| Document Number | 0029450495 |
|---|---|
| Date | May 18, 2018 |
| Book Page | 002945/000495 |
| Instrument | 35373 |
| Name | SUN WEST MTG |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 17, 2048 |
The 2025 property tax bill for 90 Prospect St was $16,869, up 7.5% 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 | $823,600 (+0.52%) Land $357,800 Building $465,800 | $823,600 (+0.52%) Land $357,800 Building $465,800 | |
| 2025 | $16,869.00 (+7.47%) | $819,300 Land $357,800 Building $461,500 | $819,300 Land $357,800 Building $461,500 |
| 2024 | $15,696.00 | ||
| 2023 | $556,200 Land $247,200 Building $309,000 | $556,200 Land $247,200 Building $309,000 | |
| 2022 | $14,589.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 90 Prospect St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 90 Prospect St 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 | 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 267 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures