Bergen County and Saddle River Borough property record for 11 Lower Cross Rd, Saddle River, NJ 07458 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1901 |
| Square Footage | 3,697 sqft Living Area |
| Lot Size | 3 acres |
| Occupancy | Owner Occupied |
| Last Sale | $1,100,000 (1995) |
| Tax Bill | $19,153.00 (2025) |
| Primary APN | 58-01801-0000-00020 |
|---|---|
| Alternative APNs |
|
| Building Area | 3,697 sqft Living Area |
|---|---|
| Stories | 2 Stories |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1901 |
| Construction Type | Frame Construction |
| Lot Area | 130,680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 077700 |
|---|---|
| Street Address | 11 LOWER CROSS RD |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-3206 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 3AC (1805,20) |
| Legal Block | 1801 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Minor Civil Division | SADDLE RIVER |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 53100 |
Source: Bergen County and Saddle River Borough records · APN 58-01801-0000-00020
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 | 11 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Mar 17, 2020 | Loan Modification, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 31, 1995 · Amount on Record |
| Deed Sale | Jan 31, 1995 · Amount on Record |
| Deed Book / Page | 7764 / 970 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 11 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0035771699 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 3577/1699 |
| Instrument | 20-041871 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 11 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Document Number | 0035771694 |
| Instrument Date | Mar 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2020 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 11 LOWER CROSS RD SADDLE RIVER NJ 074583206, SADDLE RIVER, NJ 07458-3206 |
| Document Number | 0035771694 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 003577/001694 |
| Instrument | 20041870 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27410 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $1,795,000 (-) Land $1,100,000 Building $695,000 | $1,795,000 (-) Land $1,100,000 Building $695,000 | |
| 2025 | $19,153.00 (+3%) | $1,795,000 (-) Land $1,100,000 Building $695,000 | $1,795,000 (-) Land $1,100,000 Building $695,000 |
| 2024 | $18,596.00 (+4.23%) | ||
| 2023 | $1,795,000 Land $1,100,000 Building $695,000 | $1,795,000 Land $1,100,000 Building $695,000 | |
| 2022 | $17,842.00 |
Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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