73 Windsor Ln, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 73 Windsor Ln, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,643 sqft · built 2011
Lot Size	21.3 acres (928,481 sqft)
Owner	2 Individual Names on Record
Last Sale	$752,167 (Jun 2011)
Tax Bill	$19,857 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-04301-0000-00014-02-C0073`

Property Details

APN / Parcel Number

Primary APN	`48-04301-0000-00014-02-C0073`
Alternative APN	`48043010000000140002 C0073`

Interior

Building Area	2,643 sqft Living Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Condo/Apartment
Lot Area	928,481 sqft (21.3 acres)

Location & Zoning

Street Address	73 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	14.02
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 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 Record
Mailing Address	PO BOX 1013, NYACK, NY 10960-8013
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2011 · Amount on Record
Deed Sale	Jun 2, 2011 · Amount on Record
Deed Document Number	20117532348
Deed Book / Page	753 / 2348
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	73 WINDSOR LN, RAMSEY, NJ 07446-2401
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047020181
Date	Jun 6, 2022
Book Page	4702/181
Instrument	2022057559

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	Other
Max Rate	8.37%

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		$1,092,900 (+13.32%) Land $240,000 Building $852,900	$1,092,900 (+13.32%) Land $240,000 Building $852,900
2025	$19,857.00 (-5.13%)	$964,400 (+30.03%) Land $225,000 Building $739,400	$964,400 (+30.03%) Land $225,000 Building $739,400
2024	$20,930.00 (+7.59%)
2023		$741,700 Land $225,000 Building $516,700	$741,700 Land $225,000 Building $516,700
2022	$19,454.00

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