25 Valley Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 25 Valley Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,459 sqft · built 1968
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Nov 2020)
Tax Bill	$15,255 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-00802-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`63-00802-0000-00006`
Alternative APNs	`630080200006` `072120`

Interior

Stories	2 Stories
Building Area	2,459 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	37,462 sqft (0.86 acres)

Location & Zoning

Account Number	072120
Street Address	25 VALLEY LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.860 AC
Legal Subdivision	NORTH VLY ESTATES
Legal Block	802
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	1
Census Block	1019
Census Tract	53202

Owner

25 Valley Ln is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	25 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1630
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	Nov 19, 2020 · Amount on File
Deed Sale	Nov 19, 2020 · Amount on File
Deed Document Number	2020121482
Deed Book / Page	3826 / 451
Record Updated	Sep 20, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 19, 2020
Property Address	25 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1630
Document Number	0038260451
Book / Page	3826 / 451
Instrument Date	Aug 26, 2020
Instrument	20-121482
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	HUDSON UNITED TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,351.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 MALLARD DR, 301, NEW LONDON, NC 28127-9101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1630

Mortgage

Document Number	20121483
Date	Nov 19, 2020
Instrument	20-121483

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 25 Valley Ln was $15,255, 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		$589,000 (-) Land $339,400 Building $249,600	$589,000 (-) Land $339,400 Building $249,600
2025	$15,255.00 (+1.73%)	$589,000 Land $339,400 Building $249,600	$589,000 Land $339,400 Building $249,600
2024	$14,995.00
2023		$589,000 Land $339,400 Building $249,600	$589,000 Land $339,400 Building $249,600
2022	$14,565.00

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

Flood

FEMA maps place 25 Valley Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2011.

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 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	6 (2011–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 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 25 Valley 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 149 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
AT&T Fixed Wireless	100 / 20