186 E Saddle River Rd, Saddle River, NJ 07458 Property Records

Bergen County and Saddle River Borough property record for 186 E Saddle River Rd, Saddle River, NJ 07458 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	7,346 sqft · built 2006
Lot Size	2.01 acres (87,991 sqft)
Owner	2 Individual Names on File
Last Sale	$2,742,500 (Feb 2026)
Tax Bill	$27,987 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58-01402-0000-00026-01`

Property Details

APN / Parcel Number

Primary APN	`58-01402-0000-00026-01`
Alternative APN	`58014020000000260001`

Interior

Building Area	7,346 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	87,991 sqft

Location & Zoning

Street Address	186 E SADDLE RIVER RD
City	SADDLE RIVER
State	NJ
Zip	07458-2646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.02AC.
Legal Subdivision	PINNACLE/ALFORD SUB
Legal Block	1402
Legal Lot Number	26.1
Jurisdiction	BERGEN NJ
Township / Civil Division	SADDLE RIVER
Census Block Group	3
Census Block	3004
Census Tract	53100

Owner

Source: Bergen County and Saddle River Borough records · APN 58-01402-0000-00026-01

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	2 Individual Names on File
Mailing Address	186 E SADDLE RIVER RD, SADDLE RIVER, NJ 07458-2646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 05, 2026 · Amount on Record
Deed Sale	Feb 05, 2026 · Amount on Record
Prior Sale	Jul 25, 2013 · Amount on Record
Deed Document Number	20268036
Deed Book / Page	5718 / 407
Record Updated	Sep 20, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 05, 2026
Property Address	186 E SADDLE RIVER RD, SADDLE RIVER, NJ 07458-2646
Document Number	0057180407
Book / Page	5718 / 407
Instrument Date	Feb 05, 2026
Instrument	2026008036
Transaction Type	Transfer
Record Updated	Jul 01, 2026
Title Company	NORTHERN NJ TITLE SERVICES, NORTHERN NEW JERSY TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$99,221.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50 RIVERSIDE BLVD # BLVD7D, BLVD7D, NEW YORK, NY 10069-0254

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 E SADDLE RIVER RD, SADDLE RIVER, NJ 07458-2646

Mortgage

Document Number	2026008037
Date	Feb 05, 2026
Instrument	2026008037

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 01, 2033
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	SOFR Average 30-Day
Max Rate	10.2%

Tax Assessment & Valuation

Source: Bergen County and Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Saddle River Borough
Unified School District	Saddle River Borough School District (KG - 12)

Tax Bill & Assessment History

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		$2,623,000 (-) Land $1,438,000 Building $1,185,000	$2,623,000 (-) Land $1,438,000 Building $1,185,000
2025	$27,987.00 (+2.99%)	$2,623,000 (-) Land $1,438,000 Building $1,185,000	$2,623,000 (-) Land $1,438,000 Building $1,185,000
2024	$27,174.00 (+4.23%)
2023		$2,623,000 Land $1,438,000 Building $1,185,000	$2,623,000 Land $1,438,000 Building $1,185,000
2022	$26,072.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030531003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Nearby Flood Policies	18 in force 7 of 18 on primary residences
Nearby Flood Claims	68 (1978–2021)
Claims Outside the SFHA	6 of 68
Most Recent Claim	Sep 2021, rainfall accumulation, Remnants Of Hurricane Ida
Flood Events	Remnants Of Hurricane Ida (Sep 2021), 12 claims Hurricane Irene (Aug 2011), 7 claims Hurricane Floyd Major Disaster Declarations (Sep 1999), 9 claims

Wildfire

Wildfire Risk	Low above 6% of the US · above 16% of New Jersey
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.