Bergen County and Upper Saddle River Borough property record for 256 Lake St, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,158 sqft · built 2017 |
| Lot Size | 1.38 acres (60,243 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,720,000 (Dec 2022) |
| Tax Bill | $25,693 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Feb 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01203-0000-00017-02 |
| Primary APN | 63-01203-0000-00017-02 |
|---|---|
| Alternative APN |
|
| Building Area | 4,158 sqft Living Area |
|---|
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 60,243 sqft (1.38 acres) |
| Street Address | 256 LAKE ST |
|---|---|
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.383 AC |
| Legal Block | 1203 |
| Legal Lot Number | 17.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 53201 |
256 Lake St is owned and occupied by two individuals who bought it in December 2022.
Source: Bergen County and Upper Saddle River Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 256 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1620 |
| 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.
| Date | Document |
|---|---|
| Dec 1, 2022 | Deed, Transfer · Conventional Mortgage CITIBANK NA |
| Feb 27, 2017 | Grant Deed, Transfer NJ LENDERS |
| Feb 27, 2017 | Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2022 · Amount on File |
| Deed Sale | Dec 1, 2022 · Amount on File |
| Prior Sale | Feb 27, 2017 · Amount on File |
| Deed Document Number | 2022111394 |
| Deed Book / Page | 4872 / 532 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 1, 2022 |
| Property Address | 256 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1620 |
| Document Number | 0048720532 |
| Book / Page | 4872 / 532 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 2022111394 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2023 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,771.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 191 HARVEST WAY, SADDLE RIVER, NJ 07458-2822 |
| Name | Verified Name |
|---|---|
| Address | 256 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1620 |
| Document Number | 0048720539 |
|---|---|
| Date | Dec 1, 2022 |
| Book Page | 4872/539 |
| Instrument | 2022111395 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 27, 2017 |
| Property Address | 256 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1620 |
| Document Number | 0025460175 |
| Book / Page | 002546 / 000175 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2017 |
| Title Company | BERKSHIRE ABSTRACT AND TITLE AGENCY, BERKSHIRE ABST & TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 256 LAKE ST UPPER SADDLE RIVER NJ 074581620, UPPER SADDLE RIVER, NJ 07458-1620 |
| Document Number | 25460183 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 002546/000183 |
| Name | NJ LENDERS |
|---|---|
| Address | 219 PATERSON AVE, LITTLE FALLS, NJ 07424-1657 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 26, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 27, 2017 |
| Property Address | 256 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1620 |
| Document Number | 0025460169 |
| Book / Page | 002546 / 000169 |
| Instrument Date | Feb 2, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2017 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 26 METTOWEE FARMS CT UPPER SADDLE RIVER NJ 074582125, UPPER SADDLE RIVER, NJ 07458-2125 |
The 2025 property tax bill for 256 Lake St was $25,693, 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 | $992,000 (-) Land $303,000 Building $689,000 | $992,000 (-) Land $303,000 Building $689,000 | |
| 2025 | $25,693.00 (+1.73%) | $992,000 Land $303,000 Building $689,000 | $992,000 Land $303,000 Building $689,000 |
| 2024 | $25,256.00 | ||
| 2023 | $992,000 Land $303,000 Building $689,000 | $992,000 Land $303,000 Building $689,000 | |
| 2022 | $24,532.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 256 Lake St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 risk around 256 Lake St 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 87 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 |
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