4 Cobblestone Ln, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 4 Cobblestone Ln, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	3,225 sqft · built 1976
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$829,900 (Sep 2019)
Tax Bill	$22,458 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-03301-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`48-03301-0000-00023`
Alternative APN	`480330100023`

Interior

Stories	2 Stories
Building Area	3,225 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Lot Area	14,985 sqft (0.344 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4 COBBLESTONE LN
City	RAMSEY
State	NJ
Zip	07446-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	0.344AC
Legal Block	3301
Legal Lot Number	23
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	4
Census Block	4013
Census Tract	44100

Owner

Source: Bergen County and Ramsey Borough records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4 COBBLESTONE LN, RAMSEY, NJ 07446-2420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Prior Sale	Nov 25, 2008 · Amount on Record
Deed Document Number	201963701
Deed Book / Page	3359 / 569
Record Updated	Oct 29, 2026

September 2019: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Sep 26, 2019
Property Address	4 COBBLESTONE LN, RAMSEY, NJ 07446-2420
Document Number	0033590569
Book / Page	003359 / 000569
Instrument Date	Aug 23, 2019
Instrument	63701
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	ALL JERSEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$829.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 COBBLESTONE LN RAMSEY NJ 074462420, RAMSEY, NJ 07446-2420

Mortgage

Document Number	33590576
Date	Sep 26, 2019
Book Page	003359/000576
Instrument	63701

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

Tax Assessment & Valuation

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		$1,101,700 (+1.01%) Land $359,800 Building $741,900	$1,101,700 (+1.01%) Land $359,800 Building $741,900
2025	$22,458.00 (+6.12%)	$1,090,700 (+45.45%) Land $349,800 Building $740,900	$1,090,700 (+45.45%) Land $349,800 Building $740,900
2024	$21,162.00 (+7.59%)
2023		$749,900 Land $275,200 Building $474,700	$749,900 Land $275,200 Building $474,700
2022	$19,669.00

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

Flood

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
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	Hurricane Irene, Aug 2011 · 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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