Bergen County and Ramsey Borough property record for 239 Cambridge Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 1,328 sqft · built 1988 |
| Lot Size | 0.011 acres (486 sqft) |
| Owner | Individual Name on File |
| Last Sale | $605,999 (Dec 2025) |
| Tax Bill | $9,933 (2025) |
| Deeds & Mortgages | May 2025 Line of Credit Dec 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04001-0000-00022-0000-C0239 |
| Primary APN | 48-04001-0000-00022-0000-C0239 |
|---|---|
| Alternative APN |
|
| Building Area | 1,328 sqft Living Area |
|---|
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Condo/Apartment |
| Lot Area | 486 sqft (0.011 acres) |
| Street Address | 239 CAMBRIDGE DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CAMBRIDGE HEIGHTS |
| Legal Block | 4001 |
| Legal Lot Number | 22 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 44202 |
239 Cambridge Dr is owned and occupied by an individual who bought it in December 2025.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 239 CAMBRIDGE DR, RAMSEY, NJ 07446-1258 |
| 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 |
|---|---|
| May 12, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 2, 2025 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 31, 2020 | Deed of Trust, Mortgage · Conventional with PMI ATLANTIC HM LOANS |
| Dec 13, 2018 | Deed with Mortgage, Transfer · Conventional Mortgage ATLANTIC HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2025 · Amount on File |
| Deed Sale | Dec 2, 2025 · Amount on File |
| Prior Sale | Dec 13, 2018 · Amount on File |
| Deed Document Number | 202581538 |
| Deed Book / Page | 5659 / 465 |
| Prior Transfer Date | Aug 2, 2024 |
| Prior Transfer Doc | 0000015770 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 239 CAMBRIDGE DR, RAMSEY, NJ 07446-1258 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 239 CAMBRIDGE DR, RAMSEY, NJ 07446-1258 |
| Document Number | 0055021980 |
|---|---|
| Date | May 12, 2025 |
| Book Page | 5502/1980 |
| Instrument | 2025033792 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 6, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 2, 2025 |
| Property Address | 239 CAMBRIDGE DR, RAMSEY, NJ 07446-1258 |
| Document Number | 0056590465 |
| Book / Page | 5659 / 465 |
| Instrument Date | Oct 24, 2025 |
| Instrument | 2025081538 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,248.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3808 MASON PORT DR, WILMINGTON, NC 28409-5065 |
| Name | Verified Name |
|---|---|
| Address | 239 CAMBRIDGE DR, RAMSEY, NJ 07446-1258 |
| Document Number | 2025081539 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 2025081539 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 239 CAMBRIDGE DR, RAMSEY, NJ 07446-1258 |
| Document Number | 0035041392 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2020 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 239 CAMBRIDGE DR RAMSEY NJ 074461258, RAMSEY, NJ 07446-1258 |
| Document Number | 0035041392 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 003504/001392 |
| Instrument | 20017749 |
| Name | ATLANTIC HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 13, 2050 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 13, 2018 |
| Property Address | 239 CAMBRIDGE DR, RAMSEY, NJ 07446-1258 |
| Document Number | 0031301328 |
| Book / Page | 003130 / 001328 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 87660 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2019 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 239 CAMBRIDGE DR RAMSEY NJ 074461258, RAMSEY, NJ 07446-1258 |
| Document Number | 31301334 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 003130/001334 |
| Instrument | 87660 |
| Name | ATLANTIC HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 12, 2048 |
The 2025 property tax bill for 239 Cambridge Dr was $9,933, up 13.9% 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 | $485,200 (+0.58%) Land $175,000 Building $310,200 | $485,200 (+0.58%) Land $175,000 Building $310,200 | |
| 2025 | $9,933.00 (+13.95%) | $482,400 Land $175,000 Building $307,400 | $482,400 Land $175,000 Building $307,400 |
| 2024 | $8,717.00 | ||
| 2023 | $308,900 Land $110,000 Building $198,900 | $308,900 Land $110,000 Building $198,900 | |
| 2022 | $8,102.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 239 Cambridge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
The area around 239 Cambridge Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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