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27 Lower Cross Rd, Saddle River, NJ 07458 Property Records

Bergen County and Saddle River Borough property record for 27 Lower Cross Rd, Saddle River, NJ 07458

Property Summary

Property TypeSingle Family Home
Details8,982 sqft · built 1996
Lot Size2.03 acres (88,584 sqft)
OwnerIndividual Name on File
Last Sale$1,900,000 (Jun 1996)
Tax Bill$36,032 (2025)
Deeds & MortgagesAug 2019 Refinance
Nov 2019 Transfer
Flood ZoneZone X (minimal risk)
APN58-01801-0000-00017-02

Property Details

APN / Parcel Number

Primary APN58-01801-0000-00017-02
Alternative APN
  • 58018010000000170002

Interior

Building Area8,982 sqft Living Area

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Lot Area88,584 sqft

Location & Zoning

Street Address27 LOWER CROSS RD
CitySADDLE RIVER
StateNJ
Zip07458-3206
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description2.0336
Legal Block1801
Legal Lot Number17.2
JurisdictionBERGEN NJ
Township / Civil DivisionSADDLE RIVER
Census Block Group1
Census Block1003
Census Tract53100

Owner

Source: Bergen County and Saddle River Borough records · APN 58-01801-0000-00017-02

Assessment roll updated June 29, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address27 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 07, 2019Deed of Trust, Mortgage · Stand-Alone Refinance
INVESTORS SAVINGS BANK
Nov 05, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 25, 1996 · Amount on Record
Deed SaleJun 25, 1996 · Amount on Record
Deed Book / Page7887 / 833
Last Transfer DateOct 02, 2019
Transfer Doc0033972470
Record UpdatedSep 20, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address27 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206
Transaction TypeMortgage
Record UpdatedFeb 07, 2021
Title CompanyFIDELITY NATIONAL TITLE (AKA

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0033160200
DateAug 07, 2019
Book Page3316/200
Instrument19-051354
Lender
NameINVESTORS SAVINGS BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term169 Months
DueSep 01, 2033

November 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBERGEN NJ
Recording DateNov 05, 2019
Property Address27 LOWER CROSS RD, SADDLE RIVER, NJ 07458-3206
Document Number0033972470
Book / Page003397 / 002470
Instrument DateOct 02, 2019
Instrument75079
Transaction TypeTransfer
Record UpdatedNov 19, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address27 LOWER CROSS RD SADDLE RIVER NJ 074583206, SADDLE RIVER, NJ 07458-3206

Tax Assessment & Valuation

Source: Bergen County and Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalitySaddle River Borough
Unified School DistrictSaddle River Borough School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$3,376,900 (-) Land $796,400 Building $2,580,500$3,376,900 (-) Land $796,400 Building $2,580,500
2025$36,032.00 (+2.99%)$3,376,900 (-) Land $796,400 Building $2,580,500$3,376,900 (-) Land $796,400 Building $2,580,500
2024$34,985.00 (+4.23%)
2023$3,376,900 Land $796,400 Building $2,580,500$3,376,900 Land $796,400 Building $2,580,500
2022$33,566.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030531001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies9 in force
Nearby Flood Claims17 (1999–2021)
Claims Outside the SFHA5 of 17
Most Recent ClaimSep 2021 · Remnants Of Hurricane Ida
Claims by Event
  • Remnants Of Hurricane Ida, Sep 2021 · 2 claims
  • Hurricane Irene, Sep 2011 · 3 claims
  • Hurricane Floyd Major Disaster Declarations, Sep 1999 · 7 claims

Wildfire

Wildfire RiskLow
lower than 95% of the US · lower than 87% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 80 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Optimum Communications
Fiber · Cable		8,000 / 8,000
Verizon
Fiber		2,300 / 2,300

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemSADDLE RIVER WATER UTILITY
serves 600 people
Water SourcePurchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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