148 Carlough Rd, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 148 Carlough Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,602 sqft · built 1929
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Oct 2003)
Tax Bill	$11,476 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-00501-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`63-00501-0000-00019`
Alternative APNs	`630050100019` `040100`

Interior

Stories	2 Stories
Building Area	2,602 sqft Living Area

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Lot Area	23,522 sqft (0.54 acres)

Location & Zoning

Account Number	040100
Street Address	148 CARLOUGH RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.540 AC
Legal Block	501
Legal Lot Number	19
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2001
Census Tract	53202

Owner

148 Carlough Rd is owned and occupied by an individual who bought it in October 2003.

Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	148 CARLOUGH RD, UPPER SADDLE RIVER, NJ 07458-1414
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2003 · Amount on File
Deed Sale	Oct 24, 2003 · Amount on File
Deed Book / Page	8626 / 460
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	148 CARLOUGH RD, UPPER SADDLE RIVER, NJ 07458-1414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032081902
Date	Mar 28, 2019
Book Page	3208/1902
Instrument	19-019648

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 148 Carlough Rd was $11,476, up 1.7% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$443,100 (-) Land $261,600 Building $181,500	$443,100 (-) Land $261,600 Building $181,500
2025	$11,476.00 (+1.73%)	$443,100 Land $261,600 Building $181,500	$443,100 Land $261,600 Building $181,500
2024	$11,281.00
2023		$443,100 Land $261,600 Building $181,500	$443,100 Land $261,600 Building $181,500
2022	$10,957.00

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

Flood

FEMA maps place 148 Carlough Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 148 Carlough 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 94% of the US · lower than 83% 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 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 142 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20