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

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

Property Summary

Property Type	Single Family Home
Details	4,695 sqft · built 1968
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on File
Last Sale	$3,050,000 (Oct 2024)
Tax Bill	$27,071 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-01215-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`63-01215-0000-00008`
Alternative APNs	`630121500008` `166200`

Interior

Stories	1 Story
Building Area	4,695 sqft Living Area
1st Floor Area	4,695 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Brick
Lot Area	37,897 sqft (0.87 acres)

Location & Zoning

Account Number	166200
Street Address	11 WHITE PINE RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.870 AC
Legal Subdivision	PEPPERIDGE HILL SEC 2
Legal Block	1215
Legal Lot Number	8
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2001
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough assessment roll, 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 File
Mailing Address	1 WHITE PINE RD, UPPER SADDLE RIVER, NJ 07458-2223
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC HOME LOANS INC
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 8, 2024 · Amount on Record
Deed Sale	Oct 8, 2024 · Amount on Record
Prior Sale	Sep 8, 2022 · Amount on Record
Deed Document Number	202460458
Deed Book / Page	5339 / 1600
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 8, 2022
Property Address	11 WHITE PINE RD, UPPER SADDLE RIVER, NJ 07458-2223
Document Number	0048000694
Book / Page	4800 / 694
Instrument Date	Aug 18, 2022
Instrument	2022088781
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$63,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WHITE PINE RD, 11, UPPER SADDLE RIVER, NJ 07458-2223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WHITE PINE RD, UPPER SADDLE RIVER, NJ 07458-2223

Mortgage

Document Number	2022088782
Date	Sep 8, 2022
Instrument	2022088782

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	Other
Max Rate	9.37%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	11 WHITE PINE RD, UPPER SADDLE RIVER, NJ 07458-2223
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045271702
Date	Jan 10, 2022
Book Page	4527/1702
Instrument	2022003735

Lender

Name	ATLANTIC HOME LOANS INC
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	11 WHITE PINE RD, UPPER SADDLE RIVER, NJ 07458-2223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037060444
Date	Sep 15, 2020
Book Page	3706/444
Instrument	20-085458

Lender

Name	ATLANTIC HOME LOANS INC
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Aug 1, 2035

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		$1,045,200 (-) Land $344,200 Building $701,000	$1,045,200 (-) Land $344,200 Building $701,000
2025	$27,071.00 (+1.73%)	$1,045,200 (-) Land $344,200 Building $701,000	$1,045,200 (-) Land $344,200 Building $701,000
2024	$26,610.00 (+14.57%)
2023		$1,045,200 Land $344,200 Building $701,000	$1,045,200 Land $344,200 Building $701,000
2022	$23,226.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

May also be available: T-Mobile USA.

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