28 Windsor Ln, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 28 Windsor Ln, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,587 sqft · built 2006
Lot Size	21.3 acres (928,481 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Oct 2025)
Tax Bill	$21,696 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-04301-0000-00014-02-C0028`

Property Details

APN / Parcel Number

Primary APN	`48-04301-0000-00014-02-C0028`
Alternative APN	`48043010000000140002 C0028`

Interior

Building Area	2,587 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Lot Area	928,481 sqft (21.3 acres)

Location & Zoning

Street Address	28 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/RAMSEY
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

Owner

28 Windsor Ln is owned and occupied by two individuals who bought it in October 2025.

Source: Bergen County and Ramsey Borough records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 WINDSOR LN, RAMSEY, NJ 07446-2402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on File
Deed Sale	Oct 16, 2025 · Amount on File
Prior Sale	Aug 17, 2016 · Amount on File
Deed Document Number	202570252
Deed Book / Page	5621 / 1704
Prior Transfer Date	Sep 30, 2025
Prior Transfer Doc	0056211704
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 16, 2025
Property Address	28 WINDSOR LN, RAMSEY, NJ 07446-2402
Document Number	0056211704
Book / Page	5621 / 1704
Instrument Date	Sep 30, 2025
Instrument	2025070252
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	SURETY TITLE SERVICES/FL INC, SURETY TTL SVCS OF NORTH REG

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,045.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	642 COBH RD, RIVER VALE, NJ 07675-6526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 WINDSOR LN, RAMSEY, NJ 07446-2402

Mortgage

Document Number	2025070253
Date	Oct 16, 2025
Instrument	2025070253

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 28 Windsor Ln was $21,696, down 5% 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		$1,076,400 (+2.15%) Land $240,000 Building $836,400	$1,076,400 (+2.15%) Land $240,000 Building $836,400
2025	$21,696.00 (-5%)	$1,053,700 Land $225,000 Building $828,700	$1,053,700 Land $225,000 Building $828,700
2024	$22,838.00
2023		$809,300 Land $225,000 Building $584,300	$809,300 Land $225,000 Building $584,300
2022	$21,227.00

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

Flood

FEMA maps place 28 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	Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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 28 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.

Internet Providers

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