Bergen County and Upper Saddle River Borough property record for 1 Charles Ct, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,010 sqft · built 1958 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $13,186 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01101-0000-00011 |
| Primary APN | 63-01101-0000-00011 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,010 sqft Living Area |
| 1st Floor Area | 2,010 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 38,333 sqft (0.88 acres) |
| Account Number | 138900 |
|---|---|
| Street Address | 1 CHARLES CT |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-2401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .880 AC |
| Legal Subdivision | SADDLE RIVER ACRES |
| Legal Block | 1101 |
| Legal Lot Number | 11 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 53201 |
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 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 | 1 CHARLES CT, UPPER SADDLE RIVER, NJ 07458-2401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 1 CHARLES CT, UPPER SADDLE RIVER, NJ 07458-2401 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1 CHARLES CT, UPPER SADDLE RIVER, NJ 07458-2401 |
| Document Number | 0046781416 |
|---|---|
| Date | May 11, 2022 |
| Book Page | 4678/1416 |
| Instrument | 2022050066 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | May 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bergen County and Upper Saddle River Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Upper Saddle River Borough |
| Secondary School District | Northern Highlands Regional School District (09 - 12) |
| Elementary School District | Upper Saddle River Borough School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $509,100 (-) Land $335,200 Building $173,900 | $509,100 (-) Land $335,200 Building $173,900 | |
| 2025 | $13,186.00 (+1.74%) | $509,100 (-) Land $335,200 Building $173,900 | $509,100 (-) Land $335,200 Building $173,900 |
| 2024 | $12,961.00 (+2.95%) | ||
| 2023 | $509,100 Land $335,200 Building $173,900 | $509,100 Land $335,200 Building $173,900 | |
| 2022 | $12,590.00 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 3 (2021–2026) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Mar 2026 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001 |
|---|---|
| Water Source | Surface water |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Jan 2021 |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 112 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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