Bergen County and Ramsey Borough property record for 18 Windsor Ln, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,587 sqft · built 2010 |
| Lot Size | 21.3 acres (928,481 sqft) |
| Owner | Individual Name on File |
| Last Sale | $860,000 (Aug 2022) |
| Tax Bill | $22,587 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04301-0000-00014-02-C0018 |
| Primary APN | 48-04301-0000-00014-02-C0018 |
|---|---|
| Alternative APN |
|
| Building Area | 2,587 sqft Living Area |
|---|
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Condo/Apartment |
| Lot Area | 928,481 sqft (21.3 acres) |
| Street Address | 18 WINDSOR LN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 21.315 AC |
| Legal Subdivision | BEARS COVE |
| Legal Block | 4301 |
| Legal Lot Number | 14.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 44202 |
18 Windsor Ln is owned and occupied by an individual who bought it in August 2022.
Source: Bergen County and Ramsey Borough records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 18 WINDSOR LN, RAMSEY, NJ 07446-2402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 16, 2022 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 3, 2017 | Grant Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on File |
| Deed Sale | Aug 16, 2022 · Amount on File |
| Prior Sale | Aug 3, 2017 · Amount on File |
| Deed Document Number | 202281285 |
| Deed Book / Page | 4775 / 1401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 16, 2022 |
| Property Address | 18 WINDSOR LN, RAMSEY, NJ 07446-2402 |
| Document Number | 0047751401 |
| Book / Page | 4775 / 1401 |
| Instrument Date | Jun 12, 2022 |
| Instrument | 2022081285 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2022 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,951.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 WINDSOR LN, 18, RAMSEY, NJ 07446-2402 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 18 WINDSOR LN, RAMSEY, NJ 07446-2402 |
| Document Number | 2022081286 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 2022081286 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.99% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.99% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 3, 2017 |
| Property Address | 18 WINDSOR LN, RAMSEY, NJ 07446-2402 |
| Document Number | 0026831540 |
| Book / Page | 002683 / 001540 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2017 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $799.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 WINDSOR LN RAMSEY NJ 074462402, RAMSEY, NJ 07446-2402 |
| Document Number | 26831547 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 002683/001547 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 2, 2047 |
The 2025 property tax bill for 18 Windsor Ln was $22,587, down 2.3% from the year before.
Source: Bergen County and Ramsey Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ramsey Borough |
| Unified School District | Ramsey Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,120,100 (+2.11%) Land $240,000 Building $880,100 | $1,120,100 (+2.11%) Land $240,000 Building $880,100 | |
| 2025 | $22,587.00 (-2.32%) | $1,097,000 Land $225,000 Building $872,000 | $1,097,000 Land $225,000 Building $872,000 |
| 2024 | $23,123.00 | ||
| 2023 | $819,400 Land $225,000 Building $594,400 | $819,400 Land $225,000 Building $594,400 | |
| 2022 | $21,492.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Windsor Ln in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.
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 File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 9 (1990–2021) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 18 Windsor Ln is low, with less than 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 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 207 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 Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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