Bergen County and Saddle River Borough property record for 15 Spruce Rd, Saddle River, NJ 07458 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 2024 |
| Square Footage | 2,486 sqft Living Area |
| Lot Size | 2 acres |
| Occupancy | Owner Occupied |
| Last Sale | $1,150,000 (2022) |
| Tax Bill | $7,578.00 (2025) |
| Primary APN | 58-01803-0000-00002 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,486 sqft Living Area |
|---|---|
| 1st Floor | 2,486 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Construction Type | Frame Construction |
| Lot Area | 87,120 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 084600 |
|---|---|
| Street Address | 15 SPRUCE RD |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-2908 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 2AC (19,25-D) |
| Legal Subdivision | OVERLOOK TERRACE |
| Legal Block | 1803 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Minor Civil Division | SADDLE RIVER |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 53100 |
Source: Bergen County and Saddle River Borough records · APN 58-01803-0000-00002
Assessment roll updated June 29, 2026 · Last verified August 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 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUONTIC BANK FSB |
| Feb 01, 2023 | Deed of Trust, Mortgage · Stand Alone First Mortgage M&N FINANCING CORPORATION |
| Nov 14, 2022 | Deed, Transfer EVIDENT TITLE AGENCY INC |
| Mar 29, 2021 | Bargain and Sale Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Apr 05, 2019 | Deed, Transfer · Stand Alone Refinance WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 14, 2022 · Amount on Record |
| Deed Sale | Nov 14, 2022 · Amount on Record |
| Prior Sale | Mar 29, 2021 · Amount on Record |
| Deed Doc Number | 2022107386 |
| Deed Book / Page | 4859 / 1227 |
| Last Transfer Date | Jul 29, 2024 |
| Transfer Doc | 0053051899 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 15 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0042961730 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 4296/1730 |
| Instrument | 2021120584 |
| Name | QUONTIC BANK FSB |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 15 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2023 |
| Title Company | EVIDENT TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 11 PINE TREE DR, SADDLE RIVER, NJ 07458-2906 |
| Document Number | 0049221411 |
|---|---|
| Date | Feb 01, 2023 |
| Book Page | 4922/1411 |
| Instrument | 2023009384 |
| Name | M&N FINANCING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | LOS ANGELES, CA 90010 |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Apr 01, 2028 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 14, 2022 |
| Property Address | 15 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Document Number | 0048591227 |
| Book / Page | 4859 / 1227 |
| Instrument Date | Sep 14, 2022 |
| Instrument | 2022107386 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | EVIDENT TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $22,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 576 MC CULLOCH PL, HAWORTH, NJ 07641-1505 |
| Name | Verified Name |
|---|---|
| Address | 15 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 29, 2021 |
| Property Address | 15 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Document Number | 0040401202 |
| Book / Page | 4040 / 1202 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 2021044730 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,009.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 26 WINFIELD DR, WESTWOOD, NJ 07677-8108 |
| Name | Verified Name |
|---|---|
| Address | 15 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 05, 2019 |
| Property Address | 15 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Document Number | 0032140185 |
| Book / Page | 3214 / 185 |
| Instrument Date | Mar 11, 2019 |
| Instrument | 19-021366 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 SPRUCE RD, SADDLE RIVER, NJ 07458-2908 |
| Document Number | 0032140192 |
|---|---|
| Date | Apr 05, 2019 |
| Book Page | 3214/192 |
| Instrument | 2019-021366.01 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
Source: Bergen County and Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified August 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 | $1,831,600 (+157.9%) Land $632,500 Building $1,199,100 | $1,831,600 (+157.9%) Land $632,500 Building $1,199,100 | |
| 2025 | $7,578.00 (+2.99%) | $710,200 (-) Land $632,500 Building $77,700 | $710,200 (-) Land $632,500 Building $77,700 |
| 2024 | $7,358.00 (-8.96%) | ||
| 2023 | $710,200 Land $632,500 Building $77,700 | $710,200 Land $632,500 Building $77,700 | |
| 2022 | $8,082.00 |
15 Spruce Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Bergen County (34003C), updated December 8, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 6th percentile of exposed land nationally · 16th in New Jersey |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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