Bergen County and Ramsey Borough property record for 98 Deer Trl, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,977 sqft · built 1968 |
| Lot Size | 0.928 acres (40,424 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $655,000 (Sep 2020) |
| Tax Bill | $17,417 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03001-0000-00003 |
| Primary APN | 48-03001-0000-00003 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,977 sqft Living Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Frame |
| Lot Area | 40,424 sqft (0.928 acres) |
| Lot Dimensions | 214 ft deep x 189 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 98 DEER TRL |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 0.928AC |
| Legal Subdivision | BOROUGH/RAMSEY |
| Legal Block | 3001 |
| Legal Lot Number | 3 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 44100 |
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 | 98 DEER TRL, RAMSEY, NJ 07446-2110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Sep 4, 2020 | Bargain and Sale Deed, Transfer CHANCELLORS TITLE AGENCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2020 · Amount on Record |
| Deed Sale | Sep 4, 2020 · Amount on Record |
| Prior Sale | Apr 17, 2001 · Amount on Record |
| Deed Document Number | 202081511 |
| Deed Book / Page | 3693 / 883 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 98 DEER TRL, RAMSEY, NJ 07446-2110 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040290276 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 4029/276 |
| Instrument | 2021041060 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 98 DEER TRL, RAMSEY, NJ 07446-2110 |
| Document Number | 0036930891 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 98 DEER TRL RAMSEY NJ 074462110, RAMSEY, NJ 07446-2110 |
| Document Number | 0036930891 |
|---|---|
| Date | Sep 4, 2020 |
| Book Page | 003693/000891 |
| Instrument | 81512 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 3, 2050 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 4, 2020 |
| Property Address | 98 DEER TRL, RAMSEY, NJ 07446-2110 |
| Document Number | 0036930883 |
| Book / Page | 3693 / 883 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 20-081511 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | CHANCELLORS TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,696.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 136, RAMSEY, NJ 07446-0136 |
| Name | Verified Name |
|---|---|
| Address | 98 DEER TRL, RAMSEY, NJ 07446-2110 |
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 | $840,800 (-0.6%) Land $455,400 Building $385,400 | $840,800 (-0.6%) Land $455,400 Building $385,400 | |
| 2025 | $17,417.00 (-5.8%) | $845,900 (+29.11%) Land $455,400 Building $390,500 | $845,900 (+29.11%) Land $455,400 Building $390,500 |
| 2024 | $18,489.00 (+7.59%) | ||
| 2023 | $655,200 Land $346,200 Building $309,000 | $655,200 Land $346,200 Building $309,000 | |
| 2022 | $17,185.00 |
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 Claims | 1 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1980 · tidal / storm surge |
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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures