475 Ramapo Valley Road, Oakland, NJ

Listing description

What the seller provided

Sheriff's foreclosure sale of 475 Ramapo Valley Road in Oakland, Bergen County, NJ. Case F1282622, sheriff's sale #F-25002574. U.S. Bank Trust National Association, Not In Its Individual Capacity But Solely As Owner Trustee For Rcaf Acquisition Trust v. Cheryl Desouza; State Of New Jersey; Arthur E. Kook, Dmd; Et Al. Sale 2026-11-06. Upset amount $168,219.57 (what the plaintiff is owed; it is not a minimum bid). Parcel LOT 30, BLOCK 4507. Plaintiff's attorney: Fein Such Kahn Shepard Pc. Sold to the public at the county sheriff's foreclosure auction — see the official listing for adjournments, deposit requirements and bidding terms.

How this sale works

Sheriff's foreclosure sale

A court-ordered auction, usually to satisfy a mortgage or other judgment. The plaintiff is the creditor that won the judgment; the defendant is the owner of record.

• The opening bid is commonly the judgment amount plus costs, set by the court file, not by the seller.
• Sales are typically held in person at a courthouse or sheriff's office on the scheduled date; some counties run them online.
• Expect to pay a deposit at the sale and the balance within days, and to take the property as-is with no interior inspection.
• Senior liens, taxes and occupants can survive the sale; a title search before bidding is the norm.
• In several states the borrower keeps a redemption right after the sale, which can delay possession.

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General information, not legal advice. The official sale notice controls.

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Record details

County

Bergen County

Parcel number

LOT 30, BLOCK 4507

Sale status

Scheduled

Case #

F1282622

Plaintiff

U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCAF ACQUISITION TRUST

Defendant

CHERYL DESOUZA; STATE OF NEW JERSEY; ARTHUR E. KOOK, DMD; ET AL

Sheriff's sale #

F-25002574

ZIP

07436

Street address

475 Ramapo Valley Road

Upset amount

$168,219.57

Attorney

FEIN SUCH KAHN SHEPARD PC

Legal notice

SUPERIOR COURT OF NEW JERSEY SHERIFF'S SALE NO. 25002574 DOCKET NO. F1282622 PLAINTIFF: U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCAF ACQUISITION TRUST DEFENDANT(S): CHERYL DESOUZA; STATE OF NEW JERSEY; ARTHUR E. KOOK, DMD; ET AL ATTORNEY: FEIN SUCH KAHN SHEPARD PC 6 CAMPUS DRIVE SUITE 304 PARSIPPANY, NJ 07054 973-538-4700 By virtue of the above stated Writ of Execution to me directed and delivered, I have levied upon and will expose for sale at public vendue on 11th DAY of September 2026 between the hours of twelve and four o'clock in the afternoon of said day, that is to say, at 12:00 P.M. prevailing time at the Large Conference Room, 2 Bergen County Plaza, Hackensack, New Jersey to wit: All that certain lot, piece or parcel of land, with the buildings and improvements thereon erected, situate, lying and being in OAKLAND, County of Bergen and State of New Jersey: Being known as: LOT 30, BLOCK 4507 PREMISES COMMONLY KNOWN AS: 475 RAMAPO VALLEY ROAD OAKLAND, NJ 07436 The short form description provided herein does not constitute a full legal description. A full legal description is annexed to the Writ of Execution on file…

Property note

GOOD FAITH ESTIMATE OF UPSET PRICE: $197,369.90. THE OCCUPANCY STATUS OF THE PROPERTY BEING FORECLOSED HEREIN IS PRESENTLY UNKNOWN. DIMENSION OF LOT APPROXIMATELY: 0.251 AC. NEAREST CROSS STREET: SIOUX AVENUE. PRIOR LIENS/ENCUMBRANCES 3RD QTR TAXES OPEN: $2,845.29. TOTAL AS OF JULY 29, 2026: $2,845.29.

Sale date time

Nov 6, 2026

State

NJ

Status history

12/12/2025 · Scheduled, 1/9/2026 · Adjourned - Plaintiff, 3/13/2026 · Adjourned - Defendant, 9/11/2026 · Rescheduled, 9/18/2026 · Adjourned - Court, 10/16/2026 · Adjourned - Plaintiff, 11/6/2026 · Adjourned - Court