14 Upper Cross Rd, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Saddle River Borough property record for 14 Upper Cross Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	7,380 sqft · built 1952
Lot Size	2.86 acres (124,582 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,800,000 (Oct 2025)
Tax Bill	$26,299 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`58-01102-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`58-01102-0000-00001`
Alternative APNs	`580110200001` `010900`

Interior

Stories	1 Story
Building Area	7,380 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Brick
Construction Type	Brick
Lot Area	124,582 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	010900
Street Address	14 UPPER CROSS RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	2.86 AC. (2,1-A)
Legal Block	1102
Legal Lot Number	1
Jurisdiction	BERGEN NJ
Township / Civil Division	SADDLE RIVER
Census Block Group	3
Census Block	3002
Census Tract	53100

Owner

Source: Bergen County and 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	14 UPPER CROSS RD, UPPER SADDLE RIVER, NJ 07458-2118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Deed Document Number	202573570
Deed Book / Page	5632 / 1911
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 29, 2025
Property Address	14 UPPER CROSS RD, UPPER SADDLE RIVER, NJ 07458-2118
Document Number	0056321911
Book / Page	5632 / 1911
Instrument Date	Oct 21, 2025
Instrument	2025073570
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$86,915.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 CREOLE LN, FRANKLIN LAKES, NJ 07417-2139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 UPPER CROSS RD, UPPER SADDLE RIVER, NJ 07458-2118

Mortgage

Document Number	2025073571
Date	Oct 29, 2025
Instrument	2025073571

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Max Rate	11%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,464,800 (-) Land $835,200 Building $1,629,600	$2,464,800 (-) Land $835,200 Building $1,629,600
2025	$26,299.00 (+2.99%)	$2,464,800 (-) Land $835,200 Building $1,629,600	$2,464,800 (-) Land $835,200 Building $1,629,600
2024	$25,535.00 (+4.22%)
2023		$2,464,800 Land $835,200 Building $1,629,600	$2,464,800 Land $835,200 Building $1,629,600
2022	$24,500.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	68 (1978–2021)
Claims Outside the SFHA	6 of 68
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 12 claims Hurricane Irene, Aug 2011 · 7 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 9 claims

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 99.1% of the US · lower than 97.3% 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	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001
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, 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 112 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