Bergen County and Ramsey Borough property record for 56 Lakeside Dr, Ramsey, NJ 07446
| Property Type | Single Family Home |
|---|---|
| Details | 2,503 sqft · built 1956 |
| Lot Size | 0.298 acres (12,981 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $630,000 (Dec 2020) |
| Tax Bill | $18,543 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-05207-0000-00020 |
| Primary APN | 48-05207-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,503 sqft Living Area |
| 1st Floor Area | 2,503 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Frame |
| Lot Area | 12,981 sqft (0.298 acres) |
| Lot Dimensions | 130 ft deep x 100 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 56 LAKESIDE DR |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-2524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0.298AC |
| Legal Block | 5207 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RAMSEY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 44201 |
56 Lakeside Dr is owned and occupied by two individuals who bought it in December 2020.
Source: Bergen County and Ramsey Borough records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 56 LAKESIDE DR, RAMSEY, NJ 07446-2524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC |
| Dec 14, 2020 | Deed, Transfer · Conventional Mortgage ACRE MORTGAGE & FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2020 · Amount on File |
| Deed Sale | Dec 14, 2020 · Amount on File |
| Prior Sale | Jan 16, 1996 · Amount on File |
| Deed Document Number | 2020133800 |
| Deed Book / Page | 3868 / 278 |
| Prior Transfer Date | Sep 26, 2014 |
| Prior Transfer Doc | 0017632093 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 10, 2026 |
| Property Address | 56 LAKESIDE DR, RAMSEY, NJ 07446-2524 |
| Document Number | 0000038200 |
| Book / Page | 5815 / 1998 |
| Instrument Date | May 20, 2026 |
| Instrument | 202638200 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 56 LAKESIDE DR, RAMSEY, NJ 07446-2524 |
| Document Number | 0000038200, |
|---|---|
| Date | Jun 10, 2026 |
| Book Page | 5815/1998 |
| Instrument | 202638200 |
| Name | USALLIANCE FCU |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 25, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 56 LAKESIDE DR, RAMSEY, NJ 07446-2524 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0044111526 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 4411/1526 |
| Instrument | 2021155984 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 14, 2020 |
| Property Address | 56 LAKESIDE DR, RAMSEY, NJ 07446-2524 |
| Document Number | 0038680278 |
| Book / Page | 3868 / 278 |
| Instrument Date | Aug 18, 2020 |
| Instrument | 20-133800 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,503.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 56 LAKESIDE DR, 56, RAMSEY, NJ 07446-2524 |
| Name | Verified Name |
|---|---|
| Address | 56 LAKESIDE DR, RAMSEY, NJ 07446-2524 |
| Document Number | 20133801 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 20-133801 |
| Name | ACRE MORTGAGE & FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 56 Lakeside Dr was $18,543, up 7.9% 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 | $932,400 (+3.53%) Land $444,700 Building $487,700 | $932,400 (+3.53%) Land $444,700 Building $487,700 | |
| 2025 | $18,543.00 (+7.88%) | $900,600 Land $419,700 Building $480,900 | $900,600 Land $419,700 Building $480,900 |
| 2024 | $17,189.00 | ||
| 2023 | $609,100 Land $312,300 Building $296,800 | $609,100 Land $312,300 Building $296,800 | |
| 2022 | $15,976.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 56 Lakeside Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 8 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 56 Lakeside Dr 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 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 267 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 |
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