Bergen County and Upper Saddle River Borough property record for 12 Chapel Ln, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 639 sqft · built 1996 |
| Lot Size | 0.009 acres (404 sqft) |
| Owner | Individual Name on File |
| Last Sale | $177,486 (Sep 2023) |
| Tax Bill | $2,344 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01016-0000-00001-12-C0012 |
| Primary APN | 63-01016-0000-00001-12-C0012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 639 sqft Living Area |
| 1st Floor Area | 639 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 404 sqft (0.009 acres) |
| Street Address | 12 CHAPEL LN |
|---|---|
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-2335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CRESCENT VILLAGE BLDG #2 |
| Legal Block | 1016 |
| Legal Lot Number | 1.12 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 53201 |
12 Chapel Ln is owned and occupied by an individual who bought it in September 2023.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 CHAPEL LN, SADDLE RIVER, NJ 07458-2335 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2023 · Amount on File |
| Deed Sale | Sep 22, 2023 · Amount on File |
| Prior Sale | Apr 8, 1997 · Amount on File |
| Deed Document Number | 202362339 |
| Deed Book / Page | 5088 / 287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 22, 2023 |
| Property Address | 12 CHAPEL LN, UPPER SADDLE RIVER, NJ 07458-2335 |
| Document Number | 0050880287 |
| Book / Page | 5088 / 287 |
| Instrument Date | Aug 3, 2023 |
| Instrument | 2023062339 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $218.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 BLUE HILL RD, MONTVALE, NJ 07645-2402 |
| Name | Verified Name |
|---|---|
| Address | 12 CHAPEL LN, UPPER SADDLE RIVER, NJ 07458-2335 |
| Document Number | 2023062340 |
|---|---|
| Date | Sep 22, 2023 |
| Instrument | 2023062340 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Number | 0050880311 |
|---|---|
| Date | Sep 22, 2023 |
| Book Page | 5088/311 |
| Instrument | 2023062341 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 12 Chapel Ln was $2,344, 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 | $90,500 (-) Land $20,000 Building $70,500 | $90,500 (-) Land $20,000 Building $70,500 | |
| 2025 | $2,344.00 (+1.74%) | $90,500 Land $20,000 Building $70,500 | $90,500 Land $20,000 Building $70,500 |
| 2024 | $2,304.00 | ||
| 2023 | $90,500 (-) Land $20,000 Building $70,500 | $90,500 (-) Land $20,000 Building $70,500 | |
| 2022 | $2,238.00 (+0.22%) | $90,500 Land $20,000 Building $70,500 | $90,500 Land $20,000 Building $70,500 |
| 2021 | $2,233.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Chapel Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2021.
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 File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 3 (2021–2026) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Mar 2026 · 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.
Wildfire risk around 12 Chapel Ln 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 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 352 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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