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Residential (General/Single)Residential
$702,647$444 / 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 60How 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

81 PROSPECT ST

RAMSEY, NJ 07446
Building report
0
Baths
1,584 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.
3,659 ft²
Lot SizeThe size of the land the home sits on, from county records.
1971
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$703K
$424K low$981K high
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.$642,647
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$514,118
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.11%
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.$60,000
COMMERCE BK/NORTH · recorded Dec 2, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,674 (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.$374,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$175,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$199,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$372,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$374,500

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.21 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.1 percent flood zone

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.0.08
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 SchoolA
High · Grades 9–12 · 0.2 mi
E
Tisdale Elementary SchoolA+
Elementary · Grades PK–3 · 0.6 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.No

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

81 Prospect 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 less than 75% of homes in Ramsey 07446
  • Smaller than 66% of homes in Ramsey 07446
  • Has a smaller lot than 85% of homes in Bergen County
  • Newer than 72% 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
$295K$1.8M

This home is worth more than 25% 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$702,647
CheaperTypical $895,841Pricier

Pricier than 25% of homes nearby

Price per ft²$444
CheaperTypical $442Pricier

Pricier than 51% of homes nearby

Living area1,584 ft²
SmallerTypical 1,996 ft²Bigger

Bigger than 34% of homes nearby

Lot size3,659 ft²
SmallerTypical 0.29 acBigger

Bigger than 19% of homes nearby

Year built1971
OlderTypical 1964Newer

Newer than 61% of homes nearby

How 81 Prospect St ranks against every home in each area.
MeasureThis homeRamsey 07446Bergen County
Estimated valuepricier than$702,64725% of homes40% of homes
Price per ft²pricier than$44451% of homes57% of homes
Living areabigger than1,584 ft²34% of homes35% of homes
Lot sizebigger than3,659 ft²19% of homes15% of homes
Year builtnewer than197161% of homes72% of homes

About 81 Prospect St

How much is 81 Prospect St, Ramsey, NJ worth?

The TopHap Estimate for 81 Prospect St, Ramsey, NJ is $702,647 as of Jul 14, 2026. The likely range is $424,195 to $981,099. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 81 Prospect St, Ramsey, NJ last sell?

81 Prospect St, Ramsey, NJ last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 81 Prospect St, Ramsey, NJ?

81 Prospect St, Ramsey, NJ has 1,584 square feet of living space and a 0.08-acre lot.

When was 81 Prospect St, Ramsey, NJ built?

81 Prospect St, Ramsey, NJ was built in 1971, making it 55 years old. It is a condo/apartment home. The building has 2 stories.

What schools serve 81 Prospect St, Ramsey, NJ?

81 Prospect St, 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 81 Prospect St, Ramsey, NJ compare to other homes in Ramsey 07446?

Among the 5,196 homes in Ramsey 07446, it is worth more than 25% of them ($702,647 against a typical $895,841), its price per square foot is higher than 51% of them ($444 against a typical $442), it is bigger than 34% of them (1,584 ft² against a typical 1,996 ft²), its lot is bigger than 19% of them (3,659 ft² against a typical 0.29 ac) and it is newer than 61% of them (1971 against a typical 1964). Measured against all of Bergen County, it is worth more than 40% 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 81 Prospect St, Ramsey, NJ?

The 2025 property tax bill for 81 Prospect St, Ramsey, NJ was $7,674. The county assessed it at $374,500.

Closest homes

More homes in Ramsey 07446

Assigned schools

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