Bergen County and Ramsey Borough property record for 49 Windsor Ln, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,587 sqft · built 2012 |
| Lot Size | 21.3 acres (928,481 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $870,000 (Jan 2022) |
| Tax Bill | $20,576 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jul 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-04301-0000-00014-02-C0049 |
| Primary APN | 48-04301-0000-00014-02-C0049 |
|---|
| Building Area | 2,587 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 | 49 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 |
49 Windsor Ln is owned and occupied by two individuals who bought it in January 2022.
Source: Bergen County and Ramsey Borough records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 49 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Line of Credit HERITAGE CREDIT UNION |
| Jul 24, 2026 | Deed of Trust, Mortgage · Line of Credit HERITAGE CREDIT UNION |
| Jan 5, 2022 | Deed, Transfer · Conventional Mortgage NP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2022 · Amount on File |
| Deed Sale | Jan 5, 2022 · Amount on File |
| Prior Sale | Dec 19, 2012 · Amount on File |
| Deed Document Number | 20221530 |
| Deed Book / Page | 4520 / 1958 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 21, 2026 |
| Property Address | 49 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0000049814 |
| Book / Page | 5853 / 1019 |
| Instrument Date | May 23, 2026 |
| Instrument | 202649814 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 49 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0000049814, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 5853/1019 |
| Instrument | 202649814 |
| Name | HERITAGE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 24, 2026 |
| Property Address | 49 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0000050936 |
| Book / Page | 5857 / 558 |
| Instrument Date | May 23, 2026 |
| Instrument | 202650936 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 49 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0000050936, |
|---|---|
| Date | Jul 24, 2026 |
| Book Page | 5857/558 |
| Instrument | 202650936 |
| Name | HERITAGE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 5, 2022 |
| Property Address | 49 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 0045201958 |
| Book / Page | 4520 / 1958 |
| Instrument Date | Nov 24, 2021 |
| Instrument | 2022001530 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | SUNNYSIDE TITLE AGENCY, SUNNYSIDE TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,067.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 865 OLENTANGY RD, 865, FRANKLIN LAKES, NJ 07417-2811 |
| Name | Verified Name |
|---|---|
| Address | 49 WINDSOR LN, RAMSEY, NJ 07446-2401 |
| Document Number | 2022001531 |
|---|---|
| Date | Jan 5, 2022 |
| Instrument | 2022001531 |
| Name | NP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 49 Windsor Ln was $20,576, down 4.6% 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 | $1,021,400 (+2.21%) Land $240,000 Building $781,400 | $1,021,400 (+2.21%) Land $240,000 Building $781,400 | |
| 2025 | $20,576.00 (-4.64%) | $999,300 Land $225,000 Building $774,300 | $999,300 Land $225,000 Building $774,300 |
| 2024 | $21,577.00 | ||
| 2023 | $764,600 Land $225,000 Building $539,600 | $764,600 Land $225,000 Building $539,600 | |
| 2022 | $20,055.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 49 Windsor Ln in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.
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 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.
Wildfire risk around 49 Windsor Ln is low, with less than a 0.01% annual chance of 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.
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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