28 Deerfield Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 28 Deerfield Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,355 sqft · built 1960
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$868,928 (Nov 2018)
Tax Bill	$17,011 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-00922-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`63-00922-0000-00007`
Alternative APNs	`630092200007` `099700`

Interior

Stories	1 Story
Building Area	3,355 sqft Living Area
1st Floor Area	3,355 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	39,204 sqft (0.9 acres)

Location & Zoning

Account Number	099700
Street Address	28 DEERFIELD LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.900 AC
Legal Subdivision	BOROUGH/UPPER SADDLE RIVER
Legal Block	922
Legal Lot Number	7
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	1
Census Block	1003
Census Tract	53201

Owner

28 Deerfield Ln is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 DEERFIELD LN, UPPER SADDLE RIVER, NJ 07458-1769
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

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 7, 2018	Deed, Transfer · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2018 · Amount on File
Deed Sale	Nov 7, 2018 · Amount on File
Prior Sale	Feb 7, 2001 · Amount on File
Deed Document Number	201818-079181
Deed Book / Page	3101 / 1232
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	28 DEERFIELD LN, UPPER SADDLE RIVER, NJ 07458-1769
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048380522
Date	Oct 18, 2022
Book Page	4838/522
Instrument	2022100609

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	28 DEERFIELD LN, UPPER SADDLE RIVER, NJ 07458-1769
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036111944
Date	Jun 1, 2020
Book Page	3611/1944
Instrument	20-053973

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2035

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 7, 2018
Property Address	28 DEERFIELD LN, UPPER SADDLE RIVER, NJ 07458-1769
Document Number	0031011232
Book / Page	3101 / 1232
Instrument Date	Oct 25, 2018
Instrument	00018-079181
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 DEERFIELD LN, UPPER SADDLE RIVER, NJ 07458-1769
Investor	Possibly a Property Investor

Mortgage

Document Number	0031011239
Date	Nov 7, 2018
Book Page	3101/1239
Instrument	2018-079181.01

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 28 Deerfield Ln was $17,011, 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		$656,800 (-) Land $356,000 Building $300,800	$656,800 (-) Land $356,000 Building $300,800
2025	$17,011.00 (+1.73%)	$656,800 Land $356,000 Building $300,800	$656,800 Land $356,000 Building $300,800
2024	$16,722.00
2023		$656,800 Land $356,000 Building $300,800	$656,800 Land $356,000 Building $300,800
2022	$16,242.00

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

Flood

FEMA maps place 28 Deerfield 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

Wildfire risk around 28 Deerfield 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 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 165 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

Cell Coverage

5G (outdoors only) and 4G LTE

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