Bergen County and Upper Saddle River Borough property record for 12 Blue Spruce Dr, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,361 sqft · built 1967 |
| Lot Size | 0.97 acres (42,253 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Mar 1997) |
| Tax Bill | $21,137 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00702-0000-00004 |
| Primary APN | 63-00702-0000-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,361 sqft Living Area |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 42,253 sqft (0.97 acres) |
| Account Number | 104175 |
|---|---|
| Street Address | 12 BLUE SPRUCE DR |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .970 AC |
| Legal Subdivision | H & C BUILDERS SUB |
| Legal Block | 702 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 53202 |
12 Blue Spruce Dr is owned and occupied by two individuals who bought it in March 1997.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 BLUE SPRUCE DR, UPPER SADDLE RIVER, NJ 07458-1802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 1997 · Amount on File |
| Deed Sale | Mar 7, 1997 · Amount on File |
| Deed Book / Page | 7954 / 889 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 BLUE SPRUCE DR, UPPER SADDLE RIVER, NJ 07458-1802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WESTCOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0026700154 |
|---|---|
| Date | Jul 19, 2017 |
| Book Page | 02670/0154 |
| Instrument | 17-054256 |
| Name | BNY MELLON NA |
|---|---|
| Type | Bank |
| Address | BOSTON, MA 02108 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
The 2025 property tax bill for 12 Blue Spruce Dr was $21,137, up 1.7% from the year before.
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 | $816,100 (-) Land $343,800 Building $472,300 | $816,100 (-) Land $343,800 Building $472,300 | |
| 2025 | $21,137.00 (+1.73%) | $816,100 Land $343,800 Building $472,300 | $816,100 Land $343,800 Building $472,300 |
| 2024 | $20,777.00 | ||
| 2023 | $816,100 Land $343,800 Building $472,300 | $816,100 Land $343,800 Building $472,300 | |
| 2022 | $20,031.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Blue Spruce Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 12 Blue Spruce Dr 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 94% of the US · lower than 83% 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 169 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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