Bergen County and Ramsey Borough property record for 23 Windsor Ln, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,643 sqft · built 2006 |
| Lot Size | 21.3 acres (928,481 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $932,000 (Aug 2021) |
| Tax Bill | $20,641 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Jan 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04301-0000-00014-02-C0023 |
| Primary APN | 48-04301-0000-00014-02-C0023 |
|---|---|
| Alternative APN |
|
| Building Area | 2,643 sqft Living Area |
|---|
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Condo/Apartment |
| Lot Area | 928,481 sqft (21.3 acres) |
| Street Address | 23 WINDSOR LN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 21.315 AC |
| Legal Subdivision | BEARS COVE/RAMSEY |
| Legal Block | 4301 |
| Legal Lot Number | 14.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 44202 |
23 Windsor Ln is owned and occupied by two individuals who bought it in August 2021.
Source: Bergen County and Ramsey Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| 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, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Jan 9, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2021 · Amount on File |
| Deed Sale | Aug 16, 2021 · Amount on File |
| Prior Sale | Jun 29, 2009 · Amount on File |
| Deed Document Number | 2021131103 |
| Deed Book / Page | 4330 / 711 |
| Prior Transfer Date | Nov 19, 2019 |
| Prior Transfer Doc | 0034540858 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 16, 2021 |
| Property Address | 23 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0043300711 |
| Book / Page | 4330 / 711 |
| Map Reference | MB 9216 PG 421 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 2021131103 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,786.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25 SILVER ROCK WAY, 25, FRANKLIN LAKES, NJ 07417-2287 |
| Name | Verified Name |
|---|---|
| Address | 23 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 2021131104 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 2021131104 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 9, 2020 |
| Property Address | 23 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0034540858 |
| Book / Page | 003454 / 000858 |
| Instrument Date | Nov 11, 2019 |
| Instrument | 20001226 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 23 WINDSOR LANE RAMSEY RAMSEY NJ 07446, RAMSEY, NJ 07446 |
The 2025 property tax bill for 23 Windsor Ln was $20,641, down 6.4% 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 | $1,136,000 (+13.32%) Land $240,000 Building $896,000 | $1,136,000 (+13.32%) Land $240,000 Building $896,000 | |
| 2025 | $20,641.00 (-6.43%) | $1,002,500 Land $225,000 Building $777,500 | $1,002,500 Land $225,000 Building $777,500 |
| 2024 | $22,060.00 | ||
| 2023 | $781,700 Land $225,000 Building $556,700 | $781,700 Land $225,000 Building $556,700 | |
| 2022 | $20,504.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 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 23 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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