Bergen County and Ramsey Borough property record for 312 Cypress Ct, #2, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 675 sqft · built 1982 |
| Lot Size | 0.006 acres (240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Nov 2025) |
| Tax Bill | $4,946 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Sep 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03701-0000-00005-0000-C0312 |
| Primary APN | 48-03701-0000-00005-0000-C0312 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 675 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 240 sqft (0.006 acres) |
| Street Address | 312 CYPRESS CT, 2 |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | TIMBER VLY CONDO BLDG 2 |
| Legal Block | 3701 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 44202 |
312 Cypress Ct, #2 is owned by an individual who bought it in November 2025.
Source: Bergen County and Ramsey Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 312 CYPRESS CT, RAMSEY, NJ 07446-2815 |
| Owner Type | Individual |
| Vesting | Unmarried |
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 |
|---|---|
| Nov 24, 2025 | Deed, Transfer · Conventional Mortgage LUMINATE BANK |
| Sep 19, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage ATHAS CAPITAL GROUP INC |
| Jun 7, 2023 | Deed, Transfer |
| Jul 27, 2020 | Bargain and Sale Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 12, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 10, 2019 | Trustee's Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on File |
| Deed Sale | Nov 24, 2025 · Amount on File |
| Prior Sale | Sep 19, 2022 · Amount on File |
| Deed Document Number | 202580109 |
| Deed Book / Page | 5654 / 1316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 24, 2025 |
| Property Address | 312 CYPRESS CT # 2, 2, RAMSEY, NJ 07446-2815 |
| Document Number | 0056541316 |
| Book / Page | 5654 / 1316 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 2025080109 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | MAINE STREET TITLE SERVICES, MAIN STREET TTL & STLMT SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,027.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 HIAWATHA BLVD, OAKLAND, NJ 07436-2917 |
| Name | Verified Name |
|---|---|
| Address | 312 CYPRESS CT, RAMSEY, NJ 07446-2815 |
| Document Number | 2025080110 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 2025080110 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 19, 2022 |
| Property Address | 312 CYPRESS CT # 2, 2, RAMSEY, NJ 07446-2815 |
| Document Number | 0048111265 |
| Book / Page | 4811 / 1265 |
| Instrument Date | Aug 29, 2022 |
| Instrument | 2022092286 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Title Company | NORTHERN NJ TITLE SERVICES, NORTHERN NJ TTL SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 ACKERMAN ST, WALDWICK, NJ 07463-2422 |
| Name | Verified Name |
|---|---|
| Address | 312 CYPRESS CT # 2, 2, RAMSEY, NJ 07446-2815 |
| Document Number | 2022092287 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 2022092287 |
| Name | ATHAS CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 7, 2023 |
| Property Address | 312 CYPRESS CT # 2, 2, RAMSEY, NJ 07446-2815 |
| Document Number | 0050100195 |
| Book / Page | 5010 / 195 |
| Instrument Date | Aug 29, 2022 |
| Instrument | 2023037592 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 453 W 36TH ST # ST4, ST4, NEW YORK, NY 10018-6322 |
| Name | Verified Name |
|---|---|
| Address | 312 CYPRESS CT, RAMSEY, NJ 07446-2815 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 27, 2020 |
| Property Address | 312 CYPRESS CT # 2, 2, RAMSEY, NJ 07446-2815 |
| Document Number | 0036520732 |
| Book / Page | 3652 / 732 |
| Map Reference | MB 7240 PG 723 |
| Instrument Date | May 15, 2020 |
| Instrument | 20-068620 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,052.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 79 BROWN CIR, 79, PARAMUS, NJ 07652-5203 |
| Name | Verified Name |
|---|---|
| Address | 46 ACKERMAN ST, WALDWICK, NJ 07463-2422 |
| Document Number | 20068621 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 20-068621 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 12, 2020 |
| Property Address | 312 CYPRESS CT # 2, 2, RAMSEY, NJ 07446-2815 |
| Document Number | 0036670200 |
| Book / Page | 003667 / 000200 |
| Instrument Date | May 15, 2020 |
| Instrument | 73360 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 CYPRESS CT RAMSEY NJ 074462815, RAMSEY, NJ 07446-2815 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 10, 2019 |
| Property Address | 312 CYPRESS CT # 2, 2, RAMSEY, NJ 07446-2815 |
| Document Number | 0033431886 |
| Book / Page | 003343 / 001886 |
| Instrument Date | Jul 9, 2019 |
| Instrument | 59490 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $116.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 79 BROWN CIR PARAMUS NJ 076525203, PARAMUS, NJ 07652-5203 |
The 2025 property tax bill for 312 Cypress Ct, #2 was $4,946, down 8.8% 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 | $255,100 (+6.2%) Land $150,000 Building $105,100 | $255,100 (+6.2%) Land $150,000 Building $105,100 | |
| 2025 | $4,946.00 (-8.85%) | $240,200 Land $150,000 Building $90,200 | $240,200 Land $150,000 Building $90,200 |
| 2024 | $5,426.00 | ||
| 2023 | $192,300 (-) Land $100,000 Building $92,300 | $192,300 (-) Land $100,000 Building $92,300 | |
| 2022 | $5,044.00 (+1.26%) | $192,300 Land $100,000 Building $92,300 | $192,300 Land $100,000 Building $92,300 |
| 2021 | $4,981.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 Cypress Ct, #2 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 312 Cypress Ct, #2 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 70 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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