19 Oratam Rd, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 19 Oratam Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	4,128 sqft · built 1976
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$2,075,000 (Sep 2026)
Tax Bill	$20,212 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`63-01304-0000-00006-06`

Property Details

APN / Parcel Number

Primary APN	`63-01304-0000-00006-06`
Alternative APNs	`63013040000000060006` `6301304000000606`

Interior

Building Area	4,128 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Old Parcel Number	6301304000000606
Street Address	19 ORATAM RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.010 AC
Legal Subdivision	LP MARRON & CO
Legal Block	1304
Legal Lot Number	6.06
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	3
Census Block	3024
Census Tract	53201

Owner

19 Oratam Rd is owned and occupied by an individual who bought it in September 2026.

Source: Bergen County and Upper Saddle River Borough records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	19 ORATAM RD, UPPER SADDLE RIVER, NJ 07458-2428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 22, 2017	Deed of Trust, Mortgage · Line of Credit LAKELAND BK
Oct 16, 2017	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Prior Sale	Sep 7, 2016 · Amount on File
Deed Document Number	202661619
Deed Book / Page	5891 / 1240
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 3, 2026
Property Address	19 ORATAM RD, UPPER SADDLE RIVER, NJ 07458-2428
Document Number	0000061619
Book / Page	5891 / 1240
Instrument Date	Aug 5, 2026
Instrument	202661619
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	ELITE TITLE GROUP LLC, ELITE TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$419,150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 ORATAM RD, UPPER SADDLE RIVER, NJ 07458-2428

Mortgage

Document Number	0000061620,
Date	Sep 3, 2026
Instrument	202661620

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	19 ORATAM RD, UPPER SADDLE RIVER, NJ 07458-2428
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036050573
Date	May 22, 2020
Book Page	3605/573
Instrument	20-051381

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	19 ORATAM RD, UPPER SADDLE RIVER, NJ 07458-2428
Document Number	0028301920
Book / Page	002830 / 001920
Instrument Date	Nov 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 ORATAM RD UPPER SADDLE RIVER NJ 074582428, UPPER SADDLE RIVER, NJ 07458-2428

Mortgage

Document Number	0028301920
Date	Jan 9, 2018
Book Page	002830/001920

Lender

Name	LAKELAND BK
Type	Bank
Address	OAK RIDGE, NJ 07438

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 16, 2017
Property Address	19 ORATAM RD, UPPER SADDLE RIVER, NJ 07458-2428
Document Number	0027530691
Book / Page	002753 / 000691
Instrument Date	Aug 30, 2017
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	19 ORATAM RD UPPER SADDLE RIVER NJ 074582428, UPPER SADDLE RIVER, NJ 07458-2428

Mortgage

Document Number	27530698
Date	Oct 16, 2017
Book Page	002753/000698

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 19 Oratam Rd was $20,212, up 1.7% from the year before.

Source: Bergen County and Upper Saddle River Borough assessment roll, as of June 29, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$780,400 (-) Land $460,300 Building $320,100	$780,400 (-) Land $460,300 Building $320,100
2025	$20,212.00 (+1.73%)	$780,400 Land $460,300 Building $320,100	$780,400 Land $460,300 Building $320,100
2024	$19,868.00
2023		$780,400 Land $460,300 Building $320,100	$780,400 Land $460,300 Building $320,100
2022	$19,163.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 19 Oratam Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2021.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	3 (2021–2026)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims

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.

Wildfire

Wildfire risk around 19 Oratam Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001
Water Source	Surface water
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Jan 2021
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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