140 Upper Saddle River Rd, Montvale, NJ 07645 Property Records

Bergen County and Montvale Borough property record for 140 Upper Saddle River Rd, Montvale, NJ 07645

Property Summary

Property Type	Single Family Home
Details	1,452 sqft · built 1924
Lot Size	0.998 acres (43,460 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Mar 2017)
Tax Bill	$12,405 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-00107-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`36-00107-0000-00005`
Alternative APNs	`360010700005` `00000062`

Interior

Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	1,452 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Frame
Lot Area	43,460 sqft (0.998 acres)
Lot Dimensions	212 ft deep x 205 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	00000062
Street Address	140 UPPER SADDLE RIVER RD
City	MONTVALE
State	NJ
Zip	07645-1027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	205 X 212
Legal Subdivision	SKETCH
Legal Block	107
Legal Lot Number	5
Jurisdiction	BERGEN NJ
Township / Civil Division	MONTVALE
Census Block Group	5
Census Block	5007
Census Tract	35100

Owner

140 Upper Saddle River Rd is owned and occupied by an individual who bought it in March 2017.

Source: Bergen County and Montvale Borough records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	140 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1027
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Mar 1, 2017	Grant Deed, Transfer · VA Mortgage ATLANTIC HM LOANS
Mar 1, 2017	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2017 · Amount on File
Deed Sale	Mar 1, 2017 · Amount on File
Deed Document Number	201718845
Deed Book / Page	2549 / 1184
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	140 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1027
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042011649
Date	Jun 9, 2021
Book Page	4201/1649
Instrument	2021092876

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 1, 2017
Property Address	140 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1027
Document Number	0025491184
Book / Page	002549 / 001184
Instrument Date	Feb 16, 2017
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	ABLE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 UPPER SADDLE RIVER RD MONTVALE NJ 076451027, MONTVALE, NJ 07645-1027

Mortgage

Document Number	25491190
Date	Mar 1, 2017
Book Page	002549/001190

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2047

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 1, 2017
Property Address	140 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1027
Document Number	0087600414
Book / Page	008760 / 000414
Instrument Date	Feb 16, 2017
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 140 Upper Saddle River Rd was $12,405, up 1.5% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Montvale Borough
Elementary School District	Montvale Borough School District (KG - 08)
Secondary School District	Pascack Valley Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$486,100 (-) Land $321,100 Building $165,000	$486,100 (-) Land $321,100 Building $165,000
2025	$12,405.00 (+1.47%)	$486,100 Land $321,100 Building $165,000	$486,100 Land $321,100 Building $165,000
2024	$12,225.00
2023		$486,100 Land $321,100 Building $165,000	$486,100 Land $321,100 Building $165,000
2022	$12,011.00

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

Flood

FEMA maps place 140 Upper Saddle River Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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	3 in force
Nearby Flood Claims	5 (1979–1985)
Most Recent Claim	Aug 1985 · tidal / storm surge

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

Wildfire risk around 140 Upper Saddle River Rd 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.

Drinking Water

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

Water System	VEOLIA WATER NEW JERSEY MONTVALE PD95 private · serves 654 people · EPA ID NJ0236001
Water Source	Purchased surface water
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 159 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

Cell Coverage

5G (outdoors only) and 4G LTE

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