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© 2026 OnePercent · Estimates carry bands, never promises.the line

40 W Oak St, Ramsey, NJ 07446 — $797,000 · 4bd · ~0.5% rule | OnePercent

40 W Oak St, Ramsey, NJ 07446

$797,000

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Ramsey 07446·40 W Oak St, Ramsey, NJ 07446

Last confirmed 3 days ago

40 W Oak St, Ramsey, NJ 07446

4 bd · 2 ba · Ramsey · SINGLE_FAMILY·source listing ↗

$797,000

rent, three ways

OnePercent model (vv1)$3,800/mo

p10–p90 confidence band

HUD Fair Market Rent · 07446 · 4BR$4,530/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Bergen

Flood risk indexRelatively Moderate FEMA NRI

Median household income$160,996

Median area rent$2,245/mo

Median home value$697,300

the verdict

0.48%vs 1.0% target

Modeled rent: $3,800/morent estimate
Property tax: —listing
Insurance: $1,442/yrstate avg
HOA: —listing

Cap rate: 3.1%
Cash flow: $2,001/mo
Cash-on-cash: -13.1%

financing: 20% down · — (FRED, live) · 30yr

$797,000

0.48% · rent $3,800

Intrinsic value · income approach

$850,323

6% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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