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

Bergen County and Upper Saddle River Borough property record for 12 White Pine Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,740 sqft · built 1980
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$835,000 (May 2013)
Tax Bill	$17,643 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01214-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`63-01214-0000-00001`
Alternative APNs	`630121400001` `167000`

Interior

Stories	1 Story
Building Area	2,740 sqft Living Area
1st Floor Area	2,740 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	39,204 sqft (0.9 acres)

Location & Zoning

Account Number	167000
Street Address	12 WHITE PINE RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.900 AC
Legal Subdivision	PEPPERIDGE HILL SEC 2
Legal Block	1214
Legal Lot Number	1
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2000
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough records · APN 63-01214-0000-00001

Assessment roll updated June 29, 2026 · Last verified July 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	12 WHITE PINE RD, UPPER SADDLE RIVER, NJ 07458-2222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 20, 2013 · Amount on Record
Deed Sale	May 20, 2013 · Amount on Record
Prior Sale	Mar 07, 2012 · Amount on Record
Deed Document Number	201354901
Deed Book / Page	1394 / 1946
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	12 WHITE PINE RD, UPPER SADDLE RIVER, NJ 07458-2222
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	COASTAL TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035810641
Date	Apr 27, 2020
Book Page	3581/641
Instrument	20-043008

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Tax Assessment & Valuation

Source: Bergen County and Upper Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$681,200 (-) Land $345,500 Building $335,700	$681,200 (-) Land $345,500 Building $335,700
2025	$17,643.00 (+1.73%)	$681,200 (-) Land $345,500 Building $335,700	$681,200 (-) Land $345,500 Building $335,700
2024	$17,343.00 (+3.82%)
2023		$681,200 Land $345,500 Building $335,700	$681,200 Land $345,500 Building $335,700
2022	$16,705.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030532012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 139 locations within half a mile · Last verified October 2026

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.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.