Bergen County and Saddle River Borough property record for 15 Lower Cross Rd, Saddle River, NJ 07458 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 2001 |
| Square Footage | 4,764 sqft Living Area |
| Lot Size | 1.16 acres |
| Occupancy | Owner Occupied |
| Last Sale | $1,450,000 (2020) |
| Tax Bill | $16,005.00 (2025) |
| Primary APN | 58-01801-0000-00019 |
|---|---|
| Alternative APNs |
|
| Building Area | 4,764 sqft Living Area |
|---|---|
| 1st Floor | 4,764 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Construction Type | Frame Construction |
| Lot Area | 50,530 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 077900 |
|---|---|
| Street Address | 15 LOWER CROSS RD |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-3206 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1.16 AC. (1805,19) |
| Legal Block | 1801 |
| Legal Lot Number | 19 |
| Jurisdiction | BERGEN NJ |
| Minor Civil Division | SADDLE RIVER |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 53100 |
Source: Bergen County and Saddle River Borough records · APN 58-01801-0000-00019
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 | Individual Name on File |
|---|---|
| Mailing Address | 15 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 19, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage TD BANK NA |
| Jun 16, 2020 | Deed of Trust, Mortgage TD BK NA |
| Oct 13, 2020 | Deed, Transfer · Conventional Mortgage TD BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on Record |
| Deed Sale | Oct 13, 2020 · Amount on Record |
| Prior Sale | Nov 08, 2012 · Amount on Record |
| Deed Doc Number | 2020101827 |
| Deed Book / Page | 3761 / 1 |
| Last Transfer Date | Sep 13, 2021 |
| Transfer Doc | 0044201423 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 19, 2021 |
| Property Address | 15 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Document Number | 0044201423 |
| Book / Page | 4420 / 1423 |
| Instrument Date | Sep 13, 2021 |
| Instrument | 2021158627 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Document Number | 2021158628 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 2021158628 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Oct 01, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 15 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Document Number | 0037610008 |
| Instrument Date | Jun 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | BUILDERS TITLE AGENCY INC, BUILDERS TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 15 LOWER CROSS RD SADDLE RIVER NJ 074583206, SADDLE RIVER, NJ 07458-3206 |
| Document Number | 0037610008 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 003761/000008 |
| Instrument | 101828 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | 2035 LIMESTONE RD, WILMINGTON, DE 19808-5529 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 12, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 13, 2020 |
| Property Address | 15 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Document Number | 0037610001 |
| Book / Page | 3761 / 1 |
| Instrument Date | Jun 09, 2020 |
| Instrument | 20-101827 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2021 |
| Title Company | BUILDERS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 164 REMO PL, 164, PALM BEACH GARDENS, FL 33418-1740 |
| Name | Verified Name |
|---|---|
| Address | 15 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206 |
| Document Number | 20101828 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 20-101828 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jul 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Jul 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
Source: Bergen County and Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Saddle River Borough |
| Unified School District | Saddle River Borough School District (KG - 12) |
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 | $1,500,000 (-) Land $595,400 Building $904,600 | $1,500,000 (-) Land $595,400 Building $904,600 | |
| 2025 | $16,005.00 (+2.99%) | $1,500,000 (-) Land $595,400 Building $904,600 | $1,500,000 (-) Land $595,400 Building $904,600 |
| 2024 | $15,540.00 (+4.23%) | ||
| 2023 | $1,500,000 Land $595,400 Building $904,600 | $1,500,000 Land $595,400 Building $904,600 | |
| 2022 | $14,910.00 |
Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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