Bergen County and Ramsey Borough property record for 5 Morningside Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 5,903 sqft · built 2003 |
| Lot Size | 1.36 acres (59,242 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,590,000 (Dec 2013) |
| Tax Bill | $41,217 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 48-01102-0000-00023-04 |
| Primary APN | 48-01102-0000-00023-04 |
|---|---|
| Alternative APN |
|
| Building Area | 5,903 sqft Living Area |
|---|
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 59,242 sqft (1.36 acres) |
| Street Address | 5 MORNINGSIDE DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.360AC |
| Legal Subdivision | SWAN ESTATES |
| Legal Block | 1102 |
| Legal Lot Number | 23.04 |
| 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 | 5 MORNINGSIDE DR, RAMSEY, NJ 07446-1006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2013 · Amount on Record |
| Deed Sale | Dec 30, 2013 · Amount on Record |
| Prior Sale | Sep 30, 2003 · Amount on Record |
| Deed Document Number | 2013129692 |
| Deed Book / Page | 1592 / 496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 20, 2026 |
| Property Address | 5 MORNINGSIDE DR, RAMSEY, NJ 07446-1006 |
| Document Number | 0000026272 |
| Book / Page | 5776 / 1873 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 202626272 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 MORNINGSIDE DR, RAMSEY, NJ 07446-1006 |
| Document Number | 0000026272, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 5776/1873 |
| Instrument | 202626272 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 5 MORNINGSIDE DR, RAMSEY, NJ 07446-1006 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041041189 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 4104/1189 |
| Instrument | 2021064601 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Mar 1, 2036 |
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 | $2,016,400 (+0.73%) Land $420,100 Building $1,596,300 | $2,016,400 (+0.73%) Land $420,100 Building $1,596,300 | |
| 2025 | $41,217.00 (-2.6%) | $2,001,800 (+33.5%) Land $420,100 Building $1,581,700 | $2,001,800 (+33.5%) Land $420,100 Building $1,581,700 |
| 2024 | $42,316.00 (+7.59%) | ||
| 2023 | $1,499,500 Land $319,800 Building $1,179,700 | $1,499,500 Land $319,800 Building $1,179,700 | |
| 2022 | $39,331.00 |
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 |
| 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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