12 Lantern Ln, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 12 Lantern Ln, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,846 sqft · built 1979
Lot Size	0.628 acres (27,356 sqft)
Owner	Company Name on File
Last Sale	$901,000 (Dec 2020)
Tax Bill	$24,012 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage May 2012 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-01402-0000-00001-11`

Property Details

APN / Parcel Number

Primary APN	`48-01402-0000-00001-11`
Alternative APN	`480140100000000111`

Interior

Stories	2 Stories
Building Area	2,846 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Frame
Lot Area	27,356 sqft (0.628 acres)
Lot Dimensions	171 ft deep x 160 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	480140100000000111
Street Address	12 LANTERN LN
City	RAMSEY
State	NJ
Zip	07446-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.628AC
Legal Subdivision	WEST HILL
Legal Block	1402
Legal Lot Number	1.11
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1009
Census Tract	44100

Owner

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	12 LANTERN LN, RAMSEY, NJ 07446-1331
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2020	Deed, Transfer · Conventional Mortgage PROVIDENT BANK
May 25, 2012	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED HM MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 31, 2020 · Amount on Record
Deed Sale	Dec 31, 2020 · Amount on Record
Prior Sale	Dec 24, 2003 · Amount on Record
Deed Document Number	2020141055
Deed Book / Page	3891 / 17
Record Updated	Sep 20, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 31, 2020
Property Address	12 LANTERN LN, RAMSEY, NJ 07446-1331
Document Number	0038910017
Book / Page	3891 / 17
Instrument Date	Nov 18, 2020
Instrument	20-141055
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,426.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 SPRING VALLEY RD, 315, PARAMUS, NJ 07652-5528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LANTERN LN, RAMSEY, NJ 07446-1331

Mortgage

Document Number	20141056
Date	Dec 31, 2020
Instrument	20-141056

Lender

Name	PROVIDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Nov 23, 2035

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	12 LANTERN LN, RAMSEY, NJ 07446-1331
Document Number	0038970547
Instrument Date	May 25, 2012
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LANTERN LN RAMSEY NJ 074461331, RAMSEY, NJ 07446-1331

Mortgage

Document Number	0038970547
Date	Jan 5, 2021
Book Page	003897/000547

Lender

Name	GUARANTEED HM MTG
Type	Mortgage Company
Address	WHITE PLAINS, NY 10604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 4, 2026

Tax Assessment & Valuation

Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Ramsey Borough
Unified School District	Ramsey Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,212,700 (+3.99%) Land $502,700 Building $710,000	$1,212,700 (+3.99%) Land $502,700 Building $710,000
2025	$24,012.00 (+4.4%)	$1,166,200 (+43.09%) Land $462,700 Building $703,500	$1,166,200 (+43.09%) Land $462,700 Building $703,500
2024	$22,999.00 (+7.59%)
2023		$815,000 Land $366,400 Building $448,600	$815,000 Land $366,400 Building $448,600
2022	$21,377.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RAMSEY WATER DEPT serves 15,207 people · EPA ID NJ0248001
Water Source	Purchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Optimum Communications Cable · Fiber in parts of the area	940 / 35

May also be available: T-Mobile USA.

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