Bergen County and Upper Saddle River Borough property record for 23 Cottage Ln, Upper Saddle River, NJ 07458
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (May 1998) |
| Tax Bill | $3,017 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00305-0000-00007 |
| Primary APN | 63-00305-0000-00007 |
|---|---|
| Alternative APNs |
|
| Lot Area | 14,375 sqft (0.33 acres) |
|---|
| Account Number | 029000 |
|---|---|
| Street Address | 23 COTTAGE LN |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1305 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | R1 |
| Legal Description | .330 AC |
| Legal Block | 305 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 53201 |
23 Cottage Ln, vacant land, is owned by an individual who acquired it in September 1999.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 WOOD HOLLOW TRL, UPPER SADDLE RIVER, NJ 07458-1346 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 1998 · Amount on File |
| Deed Sale | May 13, 1998 · Amount on File |
| Deed Document Number | 199869481 |
| Deed Book / Page | 8065 / 686 |
| Last Transfer Date | Sep 15, 1999 |
| Transfer Doc | 0000000951 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 23 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1305 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0044880551 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | 4488/551 |
| Instrument | 2021179416 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2036 |
The 2025 property tax bill for 23 Cottage Ln was $3,017, up 1.7% from the year before.
Source: Bergen County and Upper Saddle River Borough assessment roll, as of June 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $116,500 (-) Land $116,500 | $116,500 (-) Land $116,500 | |
| 2025 | $3,017.00 (+1.72%) | $116,500 Land $116,500 | $116,500 Land $116,500 |
| 2024 | $2,966.00 | ||
| 2023 | $116,500 Land $116,500 | $116,500 Land $116,500 | |
| 2022 | $2,881.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 23 Cottage Ln in Zone X, an area of minimal flood risk.
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 risk around 23 Cottage 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.
Source: FCC Broadband Data Collection, based on 167 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 |
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