13 W Saddle River Rd, Waldwick, NJ 07463 Property Records

Bergen County and Waldwick Borough property record for 13 W Saddle River Rd, Waldwick, NJ 07463

Property Summary

Property Type	Single Family Home
Details	1,798 sqft · built 1962
Lot Size	0.357 acres (15,550 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Nov 2008)
Tax Bill	$14,858 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2025 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`64-00073-07-00028`

Property Details

APN / Parcel Number

Primary APN	`64-00073-07-00028`
Alternative APNs	`6400073000700028` `000153`

Interior

Stories	1 Story
Building Area	1,798 sqft Living Area
1st Floor Area	1,798 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Frame
Construction Type	Frame
Lot Area	15,550 sqft (0.357 acres)

Location & Zoning

Account Number	000153
Street Address	13 W SADDLE RIVER RD
City	WALDWICK
State	NJ
Zip	07463-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75XIRR 6LT
Legal Subdivision	RUSTIC MANOR SEC 1
Legal Block	73.07
Legal Lot Number	28
Jurisdiction	BERGEN NJ
Township / Civil Division	WALDWICK
Census Block Group	1
Census Block	1000
Census Tract	56100

Owner

Source: Bergen County and Waldwick Borough records, as of October 13, 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	13 W SADDLE RIVER RD, WALDWICK, NJ 07463-2421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 13, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Feb 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 21, 2015	Deed of Trust, Mortgage · Conventional with PMI AMERICAN FIN'L NETWORK
May 21, 2015	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2008 · Amount on Record
Deed Sale	Nov 3, 2008 · Amount on Record
Prior Sale	Nov 9, 2000
Deed Document Number	20089763301
Deed Book / Page	9635 / 40
Last Transfer Date	Feb 8, 2013
Transfer Doc	0013420087
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Jul 13, 2026
Property Address	13 W SADDLE RIVER RD, WALDWICK, NJ 07463-2421
Document Number	0000047185
Book / Page	5845 / 562
Instrument Date	Jun 26, 2026
Instrument	202647185
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 W SADDLE RIVER RD, WALDWICK, NJ 07463-2421

Mortgage

Document Number	0000047185,
Date	Jul 13, 2026
Book Page	5845/562
Instrument	202647185

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	13 W SADDLE RIVER RD, WALDWICK, NJ 07463-2421
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056751858
Date	Dec 13, 2025
Book Page	5675/1858
Instrument	2025086625

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2045

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	13 W SADDLE RIVER RD, WALDWICK, NJ 07463-2421
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051830007
Date	Feb 26, 2024
Book Page	5183/7
Instrument	2024010588

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	13 W SADDLE RIVER RD, WALDWICK, NJ 07463-2421
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043140076
Date	Aug 5, 2021
Book Page	4314/76
Instrument	2021126084

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	13 W SADDLE RIVER RD, WALDWICK, NJ 07463-2421
Document Number	0028662403
Instrument Date	May 21, 2015
Transaction Type	Mortgage
Record Updated	Mar 5, 2018
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13 W SADDLE RIVER RD WALDWICK NJ 074632421, WALDWICK, NJ 07463-2421

Mortgage

Document Number	0028662403
Date	Feb 15, 2018
Book Page	002866/002403

Lender

Name	AMERICAN FIN'L NETWORK
Type	Funding / Finance Company
Address	CHINO HILLS, CA 91709

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Feb 14, 2045

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	13 W SADDLE RIVER RD, WALDWICK, NJ 07463-2421
Document Number	0028662413
Instrument Date	May 21, 2015
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13 W SADDLE RIVER RD WALDWICK NJ 074632421, WALDWICK, NJ 07463-2421

Mortgage

Document Number	0028662413
Date	Feb 15, 2018
Book Page	002866/002413

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	324 Months
Due	Feb 14, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bergen County and Waldwick Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Waldwick Borough
Unified School District	Waldwick Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$647,400 (-) Land $359,400 Building $288,000	$647,400 (-) Land $359,400 Building $288,000
2025	$14,858.00 (+3.66%)	$647,400 (+34.82%) Land $359,400 Building $288,000	$647,400 (+34.82%) Land $359,400 Building $288,000
2024	$14,333.00 (+4.8%)
2023		$480,200 Land $320,800 Building $159,400	$480,200 Land $320,800 Building $159,400
2022	$13,676.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 96% of the US · lower than 89% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WALDWICK WATER DEPT serves 10,208 people · EPA ID NJ0264001
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 355 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

Cell Coverage

5G (outdoors only) and 4G LTE

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