Bergen County and Upper Saddle River Borough property record for 28 Ridge Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,419 sqft · built 1955 |
| Lot Size | 1.9 acres (82,764 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $14,665 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01217-0000-00033 |
| Primary APN | 63-01217-0000-00033 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,419 sqft Living Area |
| 1st Floor Area | 2,419 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Frame |
| Lot Area | 82,764 sqft |
| Account Number | 159100 |
|---|---|
| Street Address | 28 RIDGE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-2149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 1.900 AC |
| Legal Subdivision | PEPPERIDGE HILL SEC 1 |
| Legal Block | 1217 |
| Legal Lot Number | 33 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 53201 |
28 Ridge Rd is owned and occupied by an individual who acquired it in June 2008.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2149 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 2, 2008 |
| Transfer Doc | 0095520348 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 27, 2026 |
| Property Address | 28 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2149 |
| Document Number | 0000027859 |
| Book / Page | 5782 / 641 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 202627859 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 28 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2149 |
| Document Number | 0000027859, |
|---|---|
| Date | Apr 27, 2026 |
| Book Page | 5782/641 |
| Instrument | 202627859 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 8, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 28 Ridge Rd was $14,665, 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 | $566,200 (-) Land $372,500 Building $193,700 | $566,200 (-) Land $372,500 Building $193,700 | |
| 2025 | $14,665.00 (+1.73%) | $566,200 Land $372,500 Building $193,700 | $566,200 Land $372,500 Building $193,700 |
| 2024 | $14,415.00 | ||
| 2023 | $566,200 Land $372,500 Building $193,700 | $566,200 Land $372,500 Building $193,700 | |
| 2022 | $14,002.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Ridge Rd 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 | 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 28 Ridge Rd 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 93% of the US · lower than 81% 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: 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 136 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 |
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