11 Carlough Rd, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 11 Carlough Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	4,018 sqft · built 1981
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$1,350,000 (Aug 2026)
Tax Bill	$17,713 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`63-00603-0000-00010-03`

Property Details

APN / Parcel Number

Primary APN	`63-00603-0000-00010-03`
Alternative APNs	`63006030000000100003` `6300603000001003`

Interior

Stories	1 Story
Building Area	4,018 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	47,916 sqft (1.1 acres)

Location & Zoning

Old Parcel Number	6300603000001003
Street Address	11 CARLOUGH RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.100 AC
Legal Block	603
Legal Lot Number	10.03
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2013
Census Tract	53202

Owner

11 Carlough Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Bergen County and Upper Saddle River Borough records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 CARLOUGH RD, UPPER SADDLE RIVER, NJ 07458-1805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Aug 26, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage PARAMOUNT MORTGAGE
Dec 22, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2026 · Amount on File
Deed Sale	Aug 26, 2026 · Amount on File
Prior Sale	Jan 17, 2001 · Amount on File
Deed Document Number	202659394
Deed Book / Page	5884 / 1545
Prior Transfer Date	Nov 29, 2023
Prior Transfer Doc	0051470870
Record Updated	Oct 29, 2026

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 26, 2026
Property Address	11 CARLOUGH RD, UPPER SADDLE RIVER, NJ 07458-1805
Document Number	0000059394
Book / Page	5884 / 1545
Instrument Date	Jul 1, 2026
Instrument	202659394
Transaction Type	Transfer
Record Updated	Oct 1, 2026
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CARLOUGH RD, UPPER SADDLE RIVER, NJ 07458-1805

Mortgage

Document Number	0000059395,
Date	Aug 26, 2026
Instrument	202659395

Lender

Name	PARAMOUNT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Dec 22, 2023
Property Address	11 CARLOUGH RD, UPPER SADDLE RIVER, NJ 07458-1805
Document Number	0051470870
Book / Page	5147 / 870
Instrument Date	Nov 29, 2023
Instrument	2023081465
Transaction Type	Transfer
Record Updated	Feb 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 CARLOUGH RD, UPPER SADDLE RIVER, NJ 07458-1805

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	11 CARLOUGH RD, UPPER SADDLE RIVER, NJ 07458-1805

Tax Assessment & Valuation

The 2025 property tax bill for 11 Carlough Rd was $17,713, up 1.7% from the year before.

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		$683,900 (-) Land $286,000 Building $397,900	$683,900 (-) Land $286,000 Building $397,900
2025	$17,713.00 (+1.73%)	$683,900 Land $286,000 Building $397,900	$683,900 Land $286,000 Building $397,900
2024	$17,412.00
2023		$683,900 (-) Land $286,000 Building $397,900	$683,900 (-) Land $286,000 Building $397,900
2022	$16,912.00 (+3.26%)	$683,900 Land $286,000 Building $397,900	$683,900 Land $286,000 Building $397,900
2021	$16,378.00

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

Flood

FEMA maps place 11 Carlough Rd in Zone X, an area of minimal flood risk.

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	7 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

Wildfire risk around 11 Carlough Rd 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 96% of the US · lower than 89% 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.

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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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