Bergen County and Upper Saddle River Borough property record for 12 Echo Ridge Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,036 sqft · built 2026 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $4,800,000 (Feb 2026) |
| Tax Bill | $13,629 (2025) |
| Deeds & Mortgages | Feb 2025 Construction Loan Feb 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00916-0000-00003 |
| Primary APN | 63-00916-0000-00003 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,036 sqft Living Area |
| 1st Floor Area | 2,036 sqft |
| Year Built | Built 2026 |
|---|---|
| Effective Year Built | Effective 2026 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 37,462 sqft (0.86 acres) |
| Account Number | 092300 |
|---|---|
| Street Address | 12 ECHO RIDGE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .860 AC |
| Legal Subdivision | PRATTORS JEFFERSON HOMES INC S |
| Legal Block | 916 |
| Legal Lot Number | 3 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 53201 |
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 | 12 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 24, 2025 | Deed of Trust, Mortgage · Construction Mortgage CONNECTONE BANK |
| Feb 27, 2026 | Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Prior Sale | Jan 16, 2025 · Amount on Record |
| Deed Document Number | 202612726 |
| Deed Book / Page | 5733 / 1075 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 12 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 8305 BERGENLINE AVE C, C, NORTH BERGEN, NJ 07047-5065 |
| Document Number | 0054350267 |
|---|---|
| Date | Feb 24, 2025 |
| Book Page | 5435/267 |
| Instrument | 2025012752 |
| Name | CONNECTONE BANK |
|---|---|
| Type | Bank |
| Address | ENGLEWOOD CLIFFS, NJ 07632 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 27, 2026 |
| Property Address | 12 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Document Number | 0057331075 |
| Book / Page | 5733 / 1075 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 2026012726 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 82 E ALLENDALE RD, SADDLE RIVER, NJ 07458-3057 |
| Name | Verified Name |
|---|---|
| Address | 12 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Document Number | 2026012727 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 2026012727 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.87% |
| Index | 1-Year T-Bill |
| Max Rate | 9.87% |
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 | $526,200 (-) Land $354,400 Building $171,800 | $526,200 (-) Land $354,400 Building $171,800 | |
| 2025 | $13,629.00 (+1.73%) Widower's exemption | $526,200 (-) Land $354,400 Building $171,800 | $526,200 (-) Land $354,400 Building $171,800 |
| 2024 | $13,397.00 (+4.98%) | ||
| 2023 | $526,200 Land $354,400 Building $171,800 | $526,200 Land $354,400 Building $171,800 | |
| 2022 | $12,762.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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.
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 167 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 |
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