Bergen County and Ramsey Borough property record for 99 Refy Ave, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,956 sqft · built 1959 |
| Lot Size | 0.351 acres (15,290 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Sep 2014) |
| Tax Bill | $24,154 (2025) |
| Deeds & Mortgages | Sep 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03406-0000-00007 |
| Primary APN | 48-03406-0000-00007 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,956 sqft Living Area |
| 1st Floor Area | 2,956 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Frame |
| Lot Area | 15,290 sqft (0.351 acres) |
| Lot Dimensions | 153 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 99 REFY AVE |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2464 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.351AC |
| Legal Subdivision | H & T REALTY CO INC SEC 2A |
| Legal Block | 3406 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 44201 |
99 Refy Ave is owned and occupied by two individuals who bought it in September 2014.
Source: Bergen County and Ramsey Borough records, as of June 29, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 99 REFY AVE, RAMSEY, NJ 07446-2464 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2014 · Amount on File |
| Deed Sale | Sep 22, 2014 · Amount on File |
| Deed Document Number | 201463192 |
| Deed Book / Page | 1755 / 1860 |
| Prior Transfer Date | Oct 23, 2008 |
| Prior Transfer Doc | 0096310486 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 99 REFY AVE, RAMSEY, NJ 07446-2464 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0033611289 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 3361/1289 |
| Instrument | 19-064305 |
| Name | MORGAN STANLEY CREDIT CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 99 Refy Ave was $24,154, up 13.6% 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 | $1,124,900 (-4.11%) Land $400,300 Building $724,600 | $1,124,900 (-4.11%) Land $400,300 Building $724,600 | |
| 2025 | $24,154.00 (+13.64%) | $1,173,100 Land $370,300 Building $802,800 | $1,173,100 Land $370,300 Building $802,800 |
| 2024 | $21,255.00 | ||
| 2023 | $753,200 Land $275,600 Building $477,600 | $753,200 Land $275,600 Building $477,600 | |
| 2022 | $19,756.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 99 Refy Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.
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.
Wildfire risk around 99 Refy Ave 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 | 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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