103 Oak Dr, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 103 Oak Dr, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,702 sqft · built 1967
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$985,000 (Aug 2016)
Tax Bill	$17,863 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01206-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`63-01206-0000-00003`
Alternative APNs	`630120600003` `179507`

Interior

Stories	1 Story
Building Area	3,702 sqft Living Area
1st Floor Area	3,702 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	40,075 sqft (0.92 acres)

Location & Zoning

Account Number	179507
Street Address	103 OAK DR
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.920 AC
Legal Subdivision	WEST WIND SEC 2
Legal Block	1206
Legal Lot Number	3
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2000
Census Tract	53201

Owner

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	103 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Deed of Trust, Mortgage · Line of Credit GARDEN SAVINGS FCU
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2016 · Amount on Record
Deed Sale	Aug 23, 2016 · Amount on Record
Prior Sale	Jun 16, 2010 · Amount on Record
Deed Document Number	201663167
Deed Book / Page	2352 / 1620
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	103 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036721500
Date	Aug 18, 2020
Book Page	3672/1500
Instrument	20-075109

Lender

Name	GARDEN SAVINGS FCU
Type	Credit Union
Address	PARSIPPANY, NJ 07054

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	103 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042521004
Date	Jul 2, 2021
Book Page	4252/1004
Instrument	2021107534

Lender

Name	BOND STREET MORTGAGE LLC
Type	Mortgage Company
Address	PARAMUS, NJ 07652

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Bergen County and Upper Saddle River Borough assessment roll, as of June 29, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$689,700 (-) Land $329,100 Building $360,600	$689,700 (-) Land $329,100 Building $360,600
2025	$17,863.00 (+1.73%)	$689,700 (-) Land $329,100 Building $360,600	$689,700 (-) Land $329,100 Building $360,600
2024	$17,559.00 (+2.95%)
2023		$689,700 Land $329,100 Building $360,600	$689,700 Land $329,100 Building $360,600
2022	$17,056.00

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
Nearby Flood Policies	8 in force

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 93% of the US · lower than 81% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 139 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

May also be available: T-Mobile.

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