45 Windsor Ln, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 45 Windsor Ln, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,614 sqft · built 2012
Lot Size	21.3 acres (928,481 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Dec 2025)
Tax Bill	$18,877 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-04301-0000-00014-02-C0045`

Property Details

APN / Parcel Number

Primary APN	`48-04301-0000-00014-02-C0045`
Alternative APN	`48043010000000140002 C0045`

Interior

Building Area	2,614 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Condo/Apartment
Lot Area	928,481 sqft

Location & Zoning

Street Address	45 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/RAMSEY
Legal Block	4301
Legal Lot Number	14.2
Jurisdiction	BERGEN NJ
Township / Civil Division	RAMSEY
Census Block Group	1
Census Block	1008
Census Tract	44202

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	45 WINDSOR LN, RAMSEY, NJ 07446-2401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	Aug 15, 2012 · Amount on Record
Deed Document Number	202591373
Deed Book / Page	5691 / 1624
Prior Transfer Date	Jul 18, 2016
Prior Transfer Doc	0023452201
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 31, 2025
Property Address	45 WINDSOR LN, RAMSEY, NJ 07446-2401
Document Number	0056911624
Book / Page	5691 / 1624
Instrument Date	Dec 5, 2025
Instrument	2025091373
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3452 DIAMOND LEAF DR, VERO BEACH, FL 32966-6300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 WINDSOR LN, RAMSEY, NJ 07446-2401

Mortgage

Document Number	2025091374
Date	Dec 31, 2025
Instrument	2025091374

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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		$969,900 (+5.79%) Land $240,000 Building $729,900	$969,900 (+5.79%) Land $240,000 Building $729,900
2025	$18,877.00 (-5.4%)	$916,800 (+29.66%) Land $225,000 Building $691,800	$916,800 (+29.66%) Land $225,000 Building $691,800
2024	$19,954.00 (+7.59%)
2023		$707,100 Land $225,000 Building $482,100	$707,100 Land $225,000 Building $482,100
2022	$18,547.00

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
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	Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 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.

Internet Providers

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