20 Ridge Rd, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 20 Ridge Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,376 sqft · built 1965
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Aug 2020)
Tax Bill	$15,201 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01217-0000-00031`

Property Details

APN / Parcel Number

Primary APN	`63-01217-0000-00031`
Alternative APNs	`630121700031` `158900`

Interior

Stories	2 Stories
Building Area	2,376 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	47,916 sqft

Location & Zoning

Account Number	158900
Street Address	20 RIDGE RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.100 AC
Legal Block	1217
Legal Lot Number	31
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2000
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough records, as of June 29, 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 Record
Mailing Address	20 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Prior Sale	Aug 21, 1995 · Amount on Record
Deed Document Number	202076045
Deed Book / Page	3675 / 1670
Record Updated	Sep 20, 2026

August 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 21, 2020
Property Address	20 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2149
Document Number	0036751670
Book / Page	3675 / 1670
Instrument Date	May 21, 2020
Instrument	20-076045
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	CARNEGIE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2103 HAWTHORNE LN, 2103, MAHWAH, NJ 07430-3496

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2149

Mortgage

Document Number	20076046
Date	Aug 21, 2020
Instrument	20-076046

Lender

Name	VAST BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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		$586,900 (-) Land $352,500 Building $234,400	$586,900 (-) Land $352,500 Building $234,400
2025	$15,201.00 (+1.73%)	$586,900 (-) Land $352,500 Building $234,400	$586,900 (-) Land $352,500 Building $234,400
2024	$14,942.00 (+2.95%)
2023		$586,900 Land $352,500 Building $234,400	$586,900 Land $352,500 Building $234,400
2022	$14,514.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Policies	8 in force

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 89% 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.

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 136 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