15 Lancaster Ct, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 15 Lancaster Ct, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,874 sqft · built 1976
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$910,000 (Aug 2022)
Tax Bill	$21,156 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-03002-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`48-03002-0000-00007`
Alternative APN	`480300200007`

Interior

Stories	2 Stories
Building Area	2,874 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Lot Area	27,878 sqft (0.64 acres)
Lot Dimensions	208 ft deep x 134 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15 LANCASTER CT
City	RAMSEY
State	NJ
Zip	07446-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	0.640AC
Legal Subdivision	TEL OREN SEC 2
Legal Block	3002
Legal Lot Number	7
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	3
Census Block	3007
Census Tract	44100

Owner

15 Lancaster Ct is owned and occupied by two individuals who bought it in August 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	15 LANCASTER CT, RAMSEY, NJ 07446-2114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2022 · Amount on File
Deed Sale	Aug 29, 2022 · Amount on File
Prior Sale	Mar 8, 2016 · Amount on File
Deed Document Number	202285663
Deed Book / Page	4790 / 45
Record Updated	Sep 20, 2026

August 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 29, 2022
Property Address	15 LANCASTER CT, RAMSEY, NJ 07446-2114
Document Number	0047900045
Book / Page	4790 / 45
Instrument Date	Aug 9, 2022
Instrument	2022085663
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,531.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	168 S FRANKLIN TPKE, 168, RAMSEY, NJ 07446-2573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LANCASTER CT, RAMSEY, NJ 07446-2114

Mortgage

Document Number	2022085664
Date	Aug 29, 2022
Instrument	2022085664

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 15 Lancaster Ct was $21,156, down 4.2% from the year before.

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		$1,027,200 (-0.03%) Land $433,400 Building $593,800	$1,027,200 (-0.03%) Land $433,400 Building $593,800
2025	$21,156.00 (-4.18%)	$1,027,500 Land $433,400 Building $594,100	$1,027,500 Land $433,400 Building $594,100
2024	$22,079.00
2023		$782,400 Land $332,000 Building $450,400	$782,400 Land $332,000 Building $450,400
2022	$20,522.00

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

Flood

FEMA maps place 15 Lancaster Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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
Nearby Flood Claims	1 (1980)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1980 · tidal / storm surge

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

Wildfire risk around 15 Lancaster Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20