21 Stone Ledge Rd, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 21 Stone Ledge Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	5,942 sqft · built 2024
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individuals on Record
Last Sale	$4,000,000 (Sep 2024)
Tax Bill	$58,301 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`63-00513-0000-00021`

Property Details

APN / Parcel Number

Primary APN	`63-00513-0000-00021`
Alternative APNs	`630051300021` `055300`

Interior

Stories	2 Stories
Building Area	5,942 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Frame
Lot Area	38,768 sqft (0.89 acres)

Location & Zoning

Account Number	055300
Street Address	21 STONE LEDGE RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.890 AC
Legal Subdivision	OLD CHIMNEY RDG SEC #2
Legal Block	513
Legal Lot Number	21
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2004
Census Tract	53202

Owner

Source: Bergen County and Upper Saddle River Borough assessment roll, 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 Individuals on Record
Mailing Address	21 STONE LEDGE RD, UPPER SADDLE RIVER, NJ 07458-1524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK N A
Aug 30, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 1, 2017	Deed of Trust, Mortgage · FHA Mortgage FINANCIAL FREEDOM MORTGAGE LLC
Sep 19, 2022	Bargain and Sale Deed, Transfer · Commercial Mortgage BRUNSWICK BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2024 · Amount on Record
Deed Sale	Sep 12, 2024 · Amount on Record
Prior Sale	Sep 19, 2022 · Amount on Record
Deed Document Number	202454619
Deed Book / Page	5320 / 723
Prior Transfer Date	Dec 7, 2001
Prior Transfer Doc	8440000627
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	May 5, 2026
Property Address	21 STONE LEDGE RD, UPPER SADDLE RIVER, NJ 07458-1524
Document Number	0000029810
Book / Page	5788 / 1192
Instrument Date	Mar 23, 2026
Instrument	202629810
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 STONE LEDGE RD, UPPER SADDLE RIVER, NJ 07458-1524

Mortgage

Document Number	0000029810,
Date	May 5, 2026
Book Page	5788/1192
Instrument	202629810

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	21 STONE LEDGE RD, UPPER SADDLE RIVER, NJ 07458-1524
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043510958
Date	Aug 30, 2021
Book Page	4351/958
Instrument	2021137486

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	21 STONE LEDGE RD, UPPER SADDLE RIVER, NJ 07458-1524
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026261649
Date	Jun 1, 2017
Book Page	02626/1649
Instrument	17-042287

Lender

Name	FINANCIAL FREEDOM MORTGAGE LLC
Type	Mortgage Company
Address	MARLTON, NJ 08053

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

September 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 19, 2022
Property Address	21 STONE LEDGE RD, UPPER SADDLE RIVER, NJ 07458-1524
Document Number	0048110590
Book / Page	4811 / 590
Instrument Date	May 25, 2022
Instrument	2022092184
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,715.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 STONE LEDGE RD, UPPER SADDLE RIVER, NJ 07458-1524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 ESSEX ST STE 302, 302, ROCHELLE PARK, NJ 07662-4342

Mortgage

Document Number	2022092185
Date	Sep 19, 2022
Instrument	2022092185

Lender

Name	BRUNSWICK BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Jul 1, 2047

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		$2,251,000 (-) Land $500,000 Building $1,751,000	$2,251,000 (-) Land $500,000 Building $1,751,000
2025	$58,301.00 (+614.3%)	$2,251,000 (+358.55%) Land $500,000 Building $1,751,000	$2,251,000 (+358.55%) Land $500,000 Building $1,751,000
2024	$8,162.00 (-32.76%)
2023		$490,900 Land $320,600 Building $170,300	$490,900 Land $320,600 Building $170,300
2022	$12,139.00

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

Flood

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	7 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 97% of the US · lower than 92% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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