Bergen County and Upper Saddle River Borough property record for 18 Lake Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,784 sqft · built 2004 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Company Name on Record |
| Last Sale | $825,000 (Jul 2026) |
| Tax Bill | $22,976 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Construction Loan Jan 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00808-0000-00009 |
| Primary APN | 63-00808-0000-00009 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,784 sqft Living Area |
| 1st Floor Area | 4,784 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 43,560 sqft |
| Account Number | 069700 |
|---|---|
| Street Address | 18 LAKE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 1.000 AC |
| Legal Block | 808 |
| Legal Lot Number | 9 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 53202 |
Source: Bergen County and Upper Saddle River Borough records, as of August 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 18 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 13, 2026 | Bargain and Sale Deed, Transfer · Construction Mortgage GENESIS CAPITAL UT LLC |
| Jan 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA |
| Jan 3, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage CLASSIC MORTGAGE LLC |
| Feb 5, 2021 | Bargain and Sale Deed, Transfer · Balloon Mortgage PMOAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on Record |
| Deed Sale | Jul 13, 2026 · Amount on Record |
| Prior Sale | Feb 5, 2021 · Amount on Record |
| Deed Document Number | 202647434 |
| Deed Book / Page | 5846 / 231 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 13, 2026 |
| Property Address | 18 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0000047434 |
| Book / Page | 5846 / 231 |
| Instrument Date | May 12, 2026 |
| Instrument | 202647434 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | ELITE TITLE GROUP LLC, ELITE TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $83,325.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 18 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0000047435, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 5846/236 |
| Instrument | 202647435 |
| Name | GENESIS CAPITAL UT LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 18 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0051540946 |
|---|---|
| Date | Jan 8, 2024 |
| Book Page | 5154/946 |
| Instrument | 2024001256 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 12, 2053 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 3, 2022 |
| Property Address | 18 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0045161427 |
| Book / Page | 4516 / 1427 |
| Instrument Date | Nov 22, 2021 |
| Instrument | 2022000242 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | SAND LANE TITLE AGENCY LLC, SAFELAND TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 86 KOSSUTH ST, 86, NEWARK, NJ 07105-3404 |
| Name | Verified Name |
|---|---|
| Address | 18 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 2022000243 |
|---|---|
| Date | Jan 3, 2022 |
| Instrument | 2022000243 |
| Name | CLASSIC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Dec 1, 2049 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 5, 2021 |
| Property Address | 18 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0039460604 |
| Book / Page | 3946 / 604 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 2021016153 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 LAKE RD, 18, UPPER SADDLE RIVER, NJ 07458-1606 |
| Name | Verified Name |
|---|---|
| Address | 86 KOSSUTH ST, NEWARK, NJ 07105-3404 |
| Document Number | 2021016154 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 2021016154 |
| Name | PMOAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Bergen County and Upper Saddle River Borough assessment roll, as of June 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $887,100 (-) Land $300,000 Building $587,100 | $887,100 (-) Land $300,000 Building $587,100 | |
| 2025 | $22,976.00 (+1.73%) | $887,100 (-) Land $300,000 Building $587,100 | $887,100 (-) Land $300,000 Building $587,100 |
| 2024 | $22,586.00 (+2.96%) | ||
| 2023 | $887,100 Land $300,000 Building $587,100 | $887,100 Land $300,000 Building $587,100 | |
| 2022 | $21,937.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 6 (2011–2024) |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% 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.
Source: FCC Broadband Data Collection, based on 149 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 |
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