Bergen County and Ramsey Borough property record for 91 Refy Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 3,138 sqft · built 1959 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Nov 2009) |
| Tax Bill | $22,252 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03406-0000-00008 |
| Primary APN | 48-03406-0000-00008 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,138 sqft Living Area |
| 1st Floor Area | 3,138 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Frame |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 161 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 91 REFY AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2464 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.370AC |
| Legal Subdivision | H & T REALTY CO INC SEC 2A |
| Legal Block | 3406 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 44201 |
Source: Bergen County and Ramsey Borough records, as of June 29, 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 Record |
|---|---|
| Mailing Address | 91 REFY AVE, RAMSEY, NJ 07446-2464 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2009 · Amount on Record |
| Deed Sale | Nov 5, 2009 · Amount on Record |
| Deed Document Number | 20092831980 |
| Deed Book / Page | 283 / 1980 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 91 REFY AVE, RAMSEY, NJ 07446-2464 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0041771811 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 4177/1811 |
| Instrument | 2021086429 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 1, 2051 |
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 | $1,029,300 (-4.76%) Land $401,800 Building $627,500 | $1,029,300 (-4.76%) Land $401,800 Building $627,500 | |
| 2025 | $22,252.00 (+3.2%) | $1,080,700 (+42.2%) Land $371,800 Building $708,900 | $1,080,700 (+42.2%) Land $371,800 Building $708,900 |
| 2024 | $21,562.00 (+8.17%) | ||
| 2023 | $760,000 Land $276,500 Building $483,500 | $760,000 Land $276,500 Building $483,500 | |
| 2022 | $19,934.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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.
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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