21 Chapel Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 21 Chapel Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	1 bd · 661 sqft · built 1996
Lot Size	0.01 acres (421 sqft)
Owner	Individual Name on File
Last Sale	$101,933 (Oct 2020)
Tax Bill	$1,932 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01016-0000-00001-21-C0021`

Property Details

APN / Parcel Number

Primary APN	`63-01016-0000-00001-21-C0021`
Alternative APN	`63010160000000010021 C0021`

Interior

Bedrooms	1 Bed
Total Rooms	1 Room
Stories	1 Story
Building Area	661 sqft Living Area
1st Floor Area	661 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	421 sqft (0.01 acres)

Location & Zoning

Street Address	21 CHAPEL LN
City	SADDLE RIVER
State	NJ
Zip	07458-2336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CRESCENT VILLAGE CONDO
Legal Block	1016
Legal Lot Number	1.21
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	3
Census Block	3027
Census Tract	53201

Owner

21 Chapel Ln is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	21 CHAPEL LN, SADDLE RIVER, NJ 07458-2336
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2020 · Amount on File
Deed Sale	Oct 26, 2020 · Amount on File
Prior Sale	Apr 7, 2011 · Amount on File
Deed Document Number	2020109938
Deed Book / Page	3788 / 1741
Prior Transfer Date	Mar 4, 2011
Prior Transfer Doc	0007170847
Record Updated	Sep 20, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 26, 2020
Property Address	21 CHAPEL LN, UPPER SADDLE RIVER, NJ 07458-2336
Document Number	0037881741
Book / Page	3788 / 1741
Map Reference	MB 7905 PG 497
Instrument Date	Jul 22, 2020
Instrument	20-109938
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	SUNNYSIDE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	143 RAINTREE LN, 143, MAHWAH, NJ 07430-2061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CHAPEL LN, UPPER SADDLE RIVER, NJ 07458-2336

Mortgage

Document Number	20109939
Date	Oct 26, 2020
Instrument	20-109939

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 21 Chapel Ln was $1,932, 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		$74,600 (-) Land $20,000 Building $54,600	$74,600 (-) Land $20,000 Building $54,600
2025	$1,932.00 (+1.74%)	$74,600 Land $20,000 Building $54,600	$74,600 Land $20,000 Building $54,600
2024	$1,899.00
2023		$74,600 Land $20,000 Building $54,600	$74,600 Land $20,000 Building $54,600
2022	$1,844.00

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

Flood

FEMA maps place 21 Chapel Ln 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 21 Chapel Ln 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 95% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 352 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20