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Residential (General/Single)Residential
$795,986$349 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $450,000 on Dec 9, 2009

4 SPRUCE RUN

RAMSEY, NJ 07446
0
Baths
2,280 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1,034 ft²
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$796K
$749K low$843K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$450,000 · Dec 9, 2009
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$132,986
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$106,389
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.89%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$360,000
NJ LENDERS CORP · recorded Dec 9, 2009
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$253,000
AMERICAN FINANCIAL RESOURCES INC
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,504 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$616,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$205,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$411,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$607,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$616,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyBERGEN
Lot (acres)The size of the land the home sits on, from county records.0.02
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Ramsey High SchoolA
High · Grades 9–12 · 0.3 mi
E
Tisdale Elementary SchoolA+
Elementary · Grades PK–3 · 0.7 mi
M
Smith Middle SchoolB+
Middle · Grades 6–8 · 1.0 mi

District: Ramsey Borough School District

Neighborhood · ZIP 07446These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.56
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.112

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.42%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.15,081
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,698 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$153,301
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$181,963
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4 Spruce Run measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 65% of homes in Ramsey 07446
  • Costs less per square foot than 92% of homes in Ramsey 07446
  • Bigger than 68% of homes in Bergen County
  • Has a smaller lot than 92% of homes in Bergen County
  • Newer than 79% of homes in Bergen County

What homes are worth in Ramsey 07446

Each bar is how many homes fall in that price range. The marker is this home.

This home
$297K$1.8M

This home is worth more than 35% of homes in Ramsey 07446.

How it measures up in Ramsey 07446

The dot is this home. The mark in the middle is the typical home in Ramsey 07446.

Estimated value$795,986
CheaperTypical $896,402Pricier

Pricier than 35% of homes nearby

Price per ft²$349
CheaperTypical $442Pricier

Pricier than 8% of homes nearby

Living area2,280 ft²
SmallerTypical 1,980 ft²Bigger

Bigger than 62% of homes nearby

Lot size1,034 ft²
SmallerTypical 0.29 acBigger

Bigger than 18% of homes nearby

Year built1983
OlderTypical 1964Newer

Newer than 75% of homes nearby

How 4 Spruce Run ranks against every home in each area.
MeasureThis homeRamsey 07446Bergen County
Estimated valuepricier than$795,98635% of homes53% of homes
Price per ft²pricier than$3498% of homes16% of homes
Living areabigger than2,280 ft²62% of homes68% of homes
Lot sizebigger than1,034 ft²18% of homes8% of homes
Year builtnewer than198375% of homes79% of homes

About 4 Spruce Run

How much is 4 Spruce Run, Ramsey, NJ worth?

The TopHap Estimate for 4 Spruce Run, Ramsey, NJ is $795,986 as of Jul 14, 2026. The likely range is $749,061 to $842,911. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4 Spruce Run, Ramsey, NJ last sell?

4 Spruce Run, Ramsey, NJ last sold on Dec 9, 2009 for $450,000, according to the county's recorded deed.

How big is 4 Spruce Run, Ramsey, NJ?

4 Spruce Run, Ramsey, NJ has 2,280 square feet of living space and a 0.02-acre lot.

When was 4 Spruce Run, Ramsey, NJ built?

4 Spruce Run, Ramsey, NJ was built in 1983, making it 43 years old. It is a condo/apartment home. The building has 2 stories.

What schools serve 4 Spruce Run, Ramsey, NJ?

4 Spruce Run, Ramsey, NJ is assigned to Ramsey High School (high), rated A; Tisdale Elementary School (elementary), rated A+; Smith Middle School (middle), rated B+. All sit in Ramsey Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4 Spruce Run, Ramsey, NJ compare to other homes in Ramsey 07446?

Among the 5,196 homes in Ramsey 07446, it is worth more than 35% of them ($795,986 against a typical $896,402), its price per square foot is higher than 8% of them ($349 against a typical $442), it is bigger than 62% of them (2,280 ft² against a typical 1,980 ft²), its lot is bigger than 18% of them (1,034 ft² against a typical 0.29 ac) and it is newer than 75% of them (1983 against a typical 1964). Measured against all of Bergen County, it is worth more than 53% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4 Spruce Run, Ramsey, NJ?

The 2025 property tax bill for 4 Spruce Run, Ramsey, NJ was $12,504. The county assessed it at $616,000.

More homes on Spruce Run

Closest homes

More homes in Ramsey 07446

Assigned schools

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