98 Elbert St, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 98 Elbert St, Ramsey, NJ 07446 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 1954
Square Footage	1,695 sqft Living Area
Lot Size	14,985 sqft (0.344 acres)
Occupancy	Owner Occupied
Tax Bill	$13,820.00 (2025)

Owner

Source: Bergen County and Ramsey Borough records · APN 48-01902-0000-00006

Assessment roll updated June 29, 2026 · Last verified July 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 File
Mailing Address	98 ELBERT ST, RAMSEY, NJ 07446-1404
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Mar 23, 2023
Transfer Doc	0000021036
Record Refreshed	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	98 ELBERT ST, RAMSEY, NJ 07446-1404
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056681132
Date	Dec 06, 2025
Book Page	5668/1132
Instrument	2025084311

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$698,900 (+4.13%) Land $399,800 Building $299,100	$698,900 (+4.13%) Land $399,800 Building $299,100
2025	$13,820.00 (-3.57%)	$671,200 (+32.15%) Land $374,800 Building $296,400	$671,200 (+32.15%) Land $374,800 Building $296,400
2024	$14,332.00 (+7.58%)
2023		$507,900 Land $300,200 Building $207,700	$507,900 Land $300,200 Building $207,700
2022	$13,322.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 5% of the US · above 14% of New Jersey
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`48-01902-0000-00006`
Alternative APN	`480190200006`

Interior

Building Area	1,695 sqft Living Area
Stories	2 Stories

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame Construction
Lot Area	14,985 sqft (0.344 acres)
Depth X Width	150 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	98 ELBERT ST
City	RAMSEY
State	NJ
Zip	07446-1404
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	0.344AC
Legal Block	1902
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Minor Civil Division	RAMSEY
Census Blockgroup	1
Census Block	1018
Census Tract	44100