Bergen County and Upper Saddle River Borough property record for 11 Valley Ln, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,747 sqft · built 1973 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $767,000 (Jan 2021) |
| Tax Bill | $16,439 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00805-0000-00009 |
| Primary APN | 63-00805-0000-00009 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,747 sqft Living Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Lot Area | 38,333 sqft (0.88 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 072040 |
|---|---|
| Street Address | 11 VALLEY LN |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .880 AC |
| Legal Subdivision | JAMES WAGNER |
| Legal Block | 805 |
| Legal Lot Number | 9 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 53202 |
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 | 11 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jan 21, 2021 | Grant Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2021 · Amount on Record |
| Deed Sale | Jan 21, 2021 · Amount on Record |
| Deed Document Number | 20218994 |
| Deed Book / Page | 3923 / 462 |
| Prior Transfer Date | Aug 31, 2012 |
| Prior Transfer Doc | 0011671120 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 11 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1609 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0046080271 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 4608/271 |
| Instrument | 2022028128 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Dec 17, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 21, 2021 |
| Property Address | 11 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1609 |
| Document Number | 0039230463 |
| Book / Page | 003923 / 000463 |
| Instrument Date | Dec 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $767.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 VALLEY LN UPPER SADDLE RIVER NJ 074581609, UPPER SADDLE RIVER, NJ 07458-1609 |
| Document Number | 39230472 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 003923/000472 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 20, 2051 |
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 | $634,700 (-) Land $340,200 Building $294,500 | $634,700 (-) Land $340,200 Building $294,500 | |
| 2025 | $16,439.00 (+1.73%) | $634,700 (-) Land $340,200 Building $294,500 | $634,700 (-) Land $340,200 Building $294,500 |
| 2024 | $16,159.00 (+2.95%) | ||
| 2023 | $634,700 Land $340,200 Building $294,500 | $634,700 Land $340,200 Building $294,500 | |
| 2022 | $15,696.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 6 (2011–2024) |
| Most Recent Claim | Jan 2024 · 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 93% of the US · lower than 81% 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.
Source: FCC Broadband Data Collection, based on 149 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 |
| AT&T Fixed Wireless | 100 / 20 |
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