74 Windsor Ln, Ramsey, NJ 07446 Property Records

Bergen County and Ramsey Borough property record for 74 Windsor Ln, Ramsey, NJ 07446

Property Summary

Property Type	Single Family Home
Details	2,587 sqft · built 2012
Lot Size	21.3 acres (928,481 sqft)
Owner	Individual Name on File
Last Sale	$1,250,000 (Feb 2025)
Tax Bill	$21,811 (2025)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-04301-0000-00014-02-C0074`

Property Details

APN / Parcel Number

Primary APN	`48-04301-0000-00014-02-C0074`

Interior

Building Area	2,587 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Condo/Apartment
Lot Area	928,481 sqft (21.3 acres)

Location & Zoning

Street Address	74 WINDSOR LN
City	RAMSEY
State	NJ
Zip	07446-2402
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	1009
Census Tract	44202

Owner

74 Windsor Ln is owned and occupied by an individual who bought it in February 2025.

Source: Bergen County and Ramsey Borough records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	74 WINDSOR LN, RAMSEY, NJ 07446-2402
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2025 · Amount on File
Deed Sale	Feb 10, 2025 · Amount on File
Prior Sale	Dec 20, 2012 · Amount on File
Deed Document Number	20259813
Deed Book / Page	5425 / 1195
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	74 WINDSOR LN, RAMSEY, NJ 07446-2402
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050441392
Date	Jul 25, 2023
Book Page	5044/1392
Instrument	2023048635

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.95%
Type Change Date	Aug 1, 2028
Change Frequency	6 Months
Min Rate At Change	8.95%
Max Rate At Change	10.9%
Max Rate	13.9%

Tax Assessment & Valuation

The 2025 property tax bill for 74 Windsor Ln was $21,811, down 4.5% from the year before.

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		$1,082,000 (+2.14%) Land $240,000 Building $842,000	$1,082,000 (+2.14%) Land $240,000 Building $842,000
2025	$21,811.00 (-4.5%)	$1,059,300 Land $225,000 Building $834,300	$1,059,300 Land $225,000 Building $834,300
2024	$22,838.00
2023		$809,300 Land $225,000 Building $584,300	$809,300 Land $225,000 Building $584,300
2022	$21,227.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 74 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	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

Wildfire risk around 74 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.

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