Bergen County and Saddle River Borough property record for 189 Mill Rd, Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,728 sqft · built 1971 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,260,000 (Apr 2018) |
| Tax Bill | $14,996 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 58-02102-0000-00019 |
| Primary APN | 58-02102-0000-00019 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,728 sqft Living Area |
| 1st Floor Area | 4,728 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Construction Type | Frame |
| Lot Area | 87,120 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 055200 |
|---|---|
| Street Address | 189 MILL RD |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-3305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 2AC (10,27-F) |
| Legal Subdivision | CHESTNUT RDG ESTATES SEC 2 |
| Legal Block | 2102 |
| Legal Lot Number | 19 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 53100 |
Source: Bergen County and Saddle River Borough records · APN 58-02102-0000-00019
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 | 189 MILL RD, SADDLE RIVER, NJ 07458-3305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 06, 2026 | Deed of Trust, Mortgage · Line of Credit MORGAN STANLEY BANK |
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC |
| May 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC |
| Aug 21, 2019 | Deed of Trust, Mortgage · Line of Credit NEWTEK SMALL BUSN FIN |
| Apr 16, 2018 | Executor's Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 16, 2018 · Amount on Record |
| Deed Sale | Apr 16, 2018 · Amount on Record |
| Prior Sale | Aug 04, 1997 · Amount on Record |
| Deed Document Number | 201818-026233 |
| Deed Book / Page | 2913 / 861 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 06, 2026 |
| Property Address | 189 MILL RD, SADDLE RIVER, NJ 07458-3305 |
| Document Number | 0000045242 |
| Book / Page | 5839 / 24 |
| Instrument Date | Jun 09, 2026 |
| Instrument | 202645242 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 189 MILL RD, SADDLE RIVER, NJ 07458-3305 |
| Document Number | 0000045242, |
|---|---|
| Date | Jul 06, 2026 |
| Book Page | 5839/24 |
| Instrument | 202645242 |
| Name | MORGAN STANLEY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 01, 2051 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 189 MILL RD, SADDLE RIVER, NJ 07458-3305 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0044231697 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 4423/1697 |
| Instrument | 2021159602 |
| Name | NATIONWIDE MORTGAGE BANKERS INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 189 MILL RD, SADDLE RIVER, NJ 07458-3305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035900049 |
|---|---|
| Date | May 05, 2020 |
| Book Page | 3590/49 |
| Instrument | 20-045913 |
| Name | NATIONWIDE MORTGAGE BANKERS INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 189 MILL RD, SADDLE RIVER, NJ 07458-3305 |
| Document Number | 0033630572 |
| Instrument Date | Aug 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2019 |
| Title Company | FREEDOM ABSTRACT NATIONAL, FREEDOM ABS NAT'L |
| Name | Verified Name |
|---|---|
| Address | 189 MILL RD SADDLE RIVER NJ 074583305, SADDLE RIVER, NJ 07458-3305 |
| Document Number | 0033630572 |
|---|---|
| Date | Oct 01, 2019 |
| Book Page | 003363/000572 |
| Instrument | 64839 |
| Name | NEWTEK SMALL BUSN FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | LAKE SUCCESS, NY 11042 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 30, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 16, 2018 |
| Property Address | 189 MILL RD, SADDLE RIVER, NJ 07458-3305 |
| Document Number | 0029130861 |
| Book / Page | 2913 / 861 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 00018-026233 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 189 MILL RD, SADDLE RIVER, NJ 07458-3305 |
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 | $1,405,400 (-) Land $624,900 Building $780,500 | $1,405,400 (-) Land $624,900 Building $780,500 | |
| 2025 | $14,996.00 (+3%) | $1,405,400 (-) Land $624,900 Building $780,500 | $1,405,400 (-) Land $624,900 Building $780,500 |
| 2024 | $14,559.00 (+4.22%) | ||
| 2023 | $1,405,400 Land $624,900 Building $780,500 | $1,405,400 Land $624,900 Building $780,500 | |
| 2022 | $13,969.00 |
Source: FEMA National Flood Hazard Layer, Bergen County (34003C), as of December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030531001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 17 (1999–2021) |
| Claims Outside the SFHA | 5 of 17 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
Based on FCC filings for 87 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NJ0258001, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SADDLE RIVER WATER UTILITY serves 600 people |
|---|---|
| Water Source | Purchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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