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Residential (General/Single)Residential
$1,081,044$386 / 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 Oct 21, 2026
Last sold for $475,000 on Oct 29, 2002

54 N SPRUCE ST

RAMSEY, NJ 07446
0
Baths
2,800 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$1M low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$475,000 · Oct 29, 2002

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$18,496 (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.$934,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$427,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$506,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$898,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$934,300

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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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)
CountyBERGEN
Lot (acres)The size of the land the home sits on, from county records.0.18
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

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

H
Ramsey High SchoolB+
High · Grades 9–12 · 0.3 mi
E
Tisdale Elementary SchoolA
Elementary · Grades PK–3 · 0.4 mi
M
Smith Middle SchoolA
Middle · Grades 6–8 · 0.8 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%

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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

54 N Spruce St 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 more than 77% of homes in Bergen County
  • Costs less per square foot than 80% of homes in Ramsey 07446
  • Bigger than 82% of homes in Bergen County
  • Has a smaller lot than 76% of homes in Ramsey 07446
  • Newer than 73% 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
$280K$1.7M

This home is worth more than 75% 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$1,081,044
CheaperTypical $863,513Pricier

Pricier than 75% of homes nearby

Price per ft²$386
CheaperTypical $441Pricier

Pricier than 20% of homes nearby

Living area2,800 ft²
SmallerTypical 1,992 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.18 ac
SmallerTypical 0.28 acBigger

Bigger than 24% of homes nearby

Year built1972
OlderTypical 1964Newer

Newer than 62% of homes nearby

How 54 N Spruce St ranks against every home in each area.
MeasureThis homeRamsey 07446Bergen County
Estimated valuepricier than$1,081,04475% of homes77% of homes
Price per ft²pricier than$38620% of homes30% of homes
Living areabigger than2,800 ft²81% of homes82% of homes
Lot sizebigger than0.18 ac24% of homes57% of homes
Year builtnewer than197262% of homes73% of homes

About 54 N Spruce St

How much is 54 N Spruce St, Ramsey, NJ worth?

The TopHap Estimate for 54 N Spruce St, Ramsey, NJ is $1,081,044 as of Oct 21, 2026. The likely range is $1,015,434 to $1,146,654. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 54 N Spruce St, Ramsey, NJ last sell?

54 N Spruce St, Ramsey, NJ last sold on Oct 29, 2002 for $475,000, according to the county's recorded deed.

How big is 54 N Spruce St, Ramsey, NJ?

54 N Spruce St, Ramsey, NJ has 2,800 square feet of living space and a 0.18-acre lot.

When was 54 N Spruce St, Ramsey, NJ built?

54 N Spruce St, Ramsey, NJ was built in 1972, making it 54 years old. The building has 2 stories.

What schools serve 54 N Spruce St, Ramsey, NJ?

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

How does 54 N Spruce St, Ramsey, NJ compare to other homes in Ramsey 07446?

Among the 5,199 homes in Ramsey 07446, it is worth more than 75% of them ($1,081,044 against a typical $863,513), its price per square foot is higher than 20% of them ($386 against a typical $441), it is bigger than 81% of them (2,800 ft² against a typical 1,992 ft²), its lot is bigger than 24% of them (0.18 ac against a typical 0.28 ac) and it is newer than 62% of them (1972 against a typical 1964). Measured against all of Bergen County, it is worth more than 77% 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 54 N Spruce St, Ramsey, NJ?

The 2025 property tax bill for 54 N Spruce St, Ramsey, NJ was $18,496. The county assessed it at $934,300.

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