Bergen County and Ramsey Borough property record for 31 Cobblestone Ln, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,707 sqft · built 1976 |
| Lot Size | 0.413 acres (17,990 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,010,000 (Aug 2022) |
| Tax Bill | $21,047 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03301-0000-00014 |
| Primary APN | 48-03301-0000-00014 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,707 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Frame |
| Lot Area | 17,990 sqft (0.413 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 31 COBBLESTONE LN |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.413AC |
| Legal Subdivision | MARLING HOMES |
| Legal Block | 3301 |
| Legal Lot Number | 14 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 44100 |
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 Record |
|---|---|
| Mailing Address | 31 COBBLESTONE LN, RAMSEY, NJ 07446-2468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 20, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 12, 2022 | Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP |
| Aug 23, 2021 | Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2022 · Amount on Record |
| Deed Sale | Aug 12, 2022 · Amount on Record |
| Prior Sale | Aug 23, 2021 · Amount on Record |
| Deed Document Number | 202280280 |
| Deed Book / Page | 4772 / 923 |
| Prior Transfer Date | Mar 30, 1999 |
| Prior Transfer Doc | 0000120150 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 31 COBBLESTONE LN, RAMSEY, NJ 07446-2468 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0026441099 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 02644/1099 |
| Instrument | 17-046997 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 12, 2022 |
| Property Address | 31 COBBLESTONE LN, RAMSEY, NJ 07446-2468 |
| Document Number | 0047720923 |
| Book / Page | 4772 / 923 |
| Instrument Date | May 12, 2022 |
| Instrument | 2022080280 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2022 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,796.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 WOODMONT LN # 435, 400, SLOATSBURG, NY 10974-1526 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 31 COBBLESTONE LN, RAMSEY, NJ 07446-2468 |
| Document Number | 2022080281 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 2022080281 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 23, 2021 |
| Property Address | 31 COBBLESTONE LN, RAMSEY, NJ 07446-2468 |
| Document Number | 0043411909 |
| Book / Page | 4341 / 1909 |
| Instrument Date | May 12, 2021 |
| Instrument | 2021134660 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,782.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 COBBLESTONE LN, 31, RAMSEY, NJ 07446-2468 |
| Name | Verified Name |
|---|---|
| Address | 31 COBBLESTONE LN, RAMSEY, NJ 07446-2468 |
| Investor | Possibly a Property Investor |
| Document Number | 2021134661 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 2021134661 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 1, 2051 |
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 | $992,900 (-2.87%) Land $346,700 Building $646,200 | $992,900 (-2.87%) Land $346,700 Building $646,200 | |
| 2025 | $21,047.00 (-5.89%) | $1,022,200 (+28.98%) Land $337,200 Building $685,000 | $1,022,200 (+28.98%) Land $337,200 Building $685,000 |
| 2024 | $22,364.00 (+7.59%) | ||
| 2023 | $792,500 Land $264,700 Building $527,800 | $792,500 Land $264,700 Building $527,800 | |
| 2022 | $20,787.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1992–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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