Bergen County and Saddle River Borough property record for 10 Spruce Rd, Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 6,480 sqft · built 2001 |
| Lot Size | 2.1 acres (91,476 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,300,000 (Jun 2022) |
| Tax Bill | $25,533 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 58-01804-0000-00001 |
| Primary APN | 58-01804-0000-00001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 6,480 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Construction Type | Frame |
| Lot Area | 91,476 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 085600 |
|---|---|
| Street Address | 10 SPRUCE RD |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-2909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 2.1AC (19,26-B) |
| Legal Block | 1804 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 53100 |
Source: Bergen County and Saddle River Borough records · APN 58-01804-0000-00001
Assessment roll updated June 29, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 10 SPRUCE RD, SADDLE RIVER, NJ 07458-2909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 04, 2026 | Deed of Trust, Mortgage · Line of Credit OAKTREE FUNDING CORPORATION |
| Jun 16, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 16, 2022 · Amount on Record |
| Deed Sale | Jun 16, 2022 · Amount on Record |
| Prior Sale | Jan 28, 1998 · Amount on Record |
| Deed Document Number | 202261323 |
| Deed Book / Page | 4713 / 832 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 04, 2026 |
| Property Address | 10 SPRUCE RD, SADDLE RIVER, NJ 07458-2909 |
| Document Number | 0000036934 |
| Book / Page | 5812 / 186 |
| Instrument Date | May 13, 2026 |
| Instrument | 202636934 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 10 SPRUCE RD, SADDLE RIVER, NJ 07458-2909 |
| Document Number | 0000036934, |
|---|---|
| Date | Jun 04, 2026 |
| Book Page | 5812/186 |
| Instrument | 202636934 |
| Name | OAKTREE FUNDING CORPORATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2046 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 16, 2022 |
| Property Address | 10 SPRUCE RD, SADDLE RIVER, NJ 07458-2909 |
| Document Number | 0047130832 |
| Book / Page | 4713 / 832 |
| Instrument Date | May 20, 2022 |
| Instrument | 2022061323 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2022 |
| Title Company | FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48,305.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 588 GLASMERE RD, 588, MAHWAH, NJ 07430-3414 |
| Name | Verified Name |
|---|---|
| Address | 10 SPRUCE RD, SADDLE RIVER, NJ 07458-2909 |
| Document Number | 2022061324 |
|---|---|
| Date | Jun 16, 2022 |
| Instrument | 2022061324 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
Source: Bergen County and Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Saddle River Borough |
| Unified School District | Saddle River Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,393,000 (-) Land $642,800 Building $1,750,200 | $2,393,000 (-) Land $642,800 Building $1,750,200 | |
| 2025 | $25,533.00 (+2.99%) | $2,393,000 (-) Land $642,800 Building $1,750,200 | $2,393,000 (-) Land $642,800 Building $1,750,200 |
| 2024 | $24,791.00 (+4.23%) | ||
| 2023 | $2,393,000 Land $642,800 Building $1,750,200 | $2,393,000 Land $642,800 Building $1,750,200 | |
| 2022 | $23,786.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 4 (1980–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Feb 2022 · rainfall accumulation |
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 87 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SADDLE RIVER WATER UTILITY serves 600 people |
|---|---|
| Water Source | Purchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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