Bergen County and Ramsey Borough property record for 39 Windsor Ln, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,643 sqft · built 2012 |
| Lot Size | 21.3 acres (928,481 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,250,000 (Jan 2025) |
| Tax Bill | $19,645 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04301-0000-00014-02-C0039 |
| Primary APN | 48-04301-0000-00014-02-C0039 |
|---|
| Building Area | 2,643 sqft Living Area |
|---|
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Condo/Apartment |
| Lot Area | 928,481 sqft (21.3 acres) |
| Street Address | 39 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 |
| 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 |
Source: Bergen County and Ramsey Borough records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 39 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Line of Credit COLUMBIA BANK |
| Aug 3, 2021 | Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 2, 2025 · Amount on Record |
| Deed Sale | Jan 2, 2025 · Amount on Record |
| Prior Sale | Aug 3, 2021 · Amount on Record |
| Deed Document Number | 2025159 |
| Deed Book / Page | 5394 / 839 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 12, 2026 |
| Property Address | 39 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0000055799 |
| Book / Page | 5873 / 654 |
| Instrument Date | May 29, 2026 |
| Instrument | 202655799 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 39 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0000055799, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 5873/654 |
| Instrument | 202655799 |
| Name | COLUMBIA BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 3, 2021 |
| Property Address | 39 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0043080968 |
| Book / Page | 4308 / 968 |
| Instrument Date | May 24, 2021 |
| Instrument | 2021124258 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2021 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,234.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 43 RAINEY ST APT 1806, 43, AUSTIN, TX 78701-4442 |
| Name | Verified Name |
|---|---|
| Address | 39 WINDSOR LN, RAMSEY, NJ 07446-2401 |
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 | $1,080,900 (+13.29%) Land $240,000 Building $840,900 | $1,080,900 (+13.29%) Land $240,000 Building $840,900 | |
| 2025 | $19,645.00 (-5.82%) | $954,100 (+30.22%) Land $225,000 Building $729,100 | $954,100 (+30.22%) Land $225,000 Building $729,100 |
| 2024 | $20,860.00 (+8.54%) | ||
| 2023 | $732,700 Land $225,000 Building $507,700 | $732,700 Land $225,000 Building $507,700 | |
| 2022 | $19,218.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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