Bergen County and Ramsey Borough property record for 4 Morningside Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 5,296 sqft · built 2009 |
| Lot Size | 0.933 acres (40,641 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,850,000 (Nov 2008) |
| Tax Bill | $44,343 (2025) |
| Deeds & Mortgages | Jun 2019 Refinance May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 48-01102-0000-00023-02 |
| Primary APN | 48-01102-0000-00023-02 |
|---|---|
| Alternative APN |
|
| Building Area | 5,296 sqft Living Area |
|---|
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Lot Area | 40,641 sqft (0.933 acres) |
| Street Address | 4 MORNINGSIDE DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.933AC |
| Legal Subdivision | SWAN ESTATES |
| Legal Block | 1102 |
| Legal Lot Number | 23.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 44100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4 MORNINGSIDE DR, RAMSEY, NJ 07446-1046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance HSBC BANK USA |
| May 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA |
| Mar 19, 2020 | Loan Modification, Mortgage · Conventional Mortgage HSBC BK USA NA |
| Jun 24, 2019 | Deed of Trust, Mortgage · Line of Credit HSBC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2008 · Amount on Record |
| Deed Sale | Nov 13, 2008 · Amount on Record |
| Deed Document Number | 2008100444 |
| Deed Book / Page | 9640 / 350 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 4 MORNINGSIDE DR, RAMSEY, NJ 07446-1046 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0032691254 |
|---|---|
| Date | Jun 17, 2019 |
| Book Page | 3269/1254 |
| Instrument | 19-038124 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 4 MORNINGSIDE DR, RAMSEY, NJ 07446-1046 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0035921054 |
|---|---|
| Date | May 7, 2020 |
| Book Page | 3592/1054 |
| Instrument | 20-046720 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.61% |
| Type Change Date | May 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.6% |
| Index | 1-Year LIBOR |
| Max Rate | 7.6% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 4 MORNINGSIDE DR, RAMSEY, NJ 07446-1046 |
| Document Number | 0035921074 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4 MORNINGSIDE DR RAMSEY NJ 074461046, RAMSEY, NJ 07446-1046 |
| Document Number | 0035921074 |
|---|---|
| Date | May 7, 2020 |
| Book Page | 003592/001074 |
| Instrument | 20046721 |
| Name | HSBC BK USA NA |
|---|---|
| Type | Bank |
| Address | DEPEW, NY 14043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 4 MORNINGSIDE DR, RAMSEY, NJ 07446-1046 |
| Document Number | 0033030587 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4 MORNINGSIDE DR RAMSEY NJ 074461046, RAMSEY, NJ 07446-1046 |
| Document Number | 0033030587 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 003303/000587 |
| Instrument | 47836 |
| Name | HSBC |
|---|---|
| Address | NEW YORK, NY 10018 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,169,200 (+0.72%) Land $455,600 Building $1,713,600 | $2,169,200 (+0.72%) Land $455,600 Building $1,713,600 | |
| 2025 | $44,343.00 (-0.77%) | $2,153,600 (+35.99%) Land $455,600 Building $1,698,000 | $2,153,600 (+35.99%) Land $455,600 Building $1,698,000 |
| 2024 | $44,689.00 (+7.59%) | ||
| 2023 | $1,583,600 Land $346,300 Building $1,237,300 | $1,583,600 Land $346,300 Building $1,237,300 | |
| 2022 | $41,537.00 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
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 96% of the US · lower than 89% 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: 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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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