Bergen County and Saddle River Borough property record for 29 Locust Ln, Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,200 sqft · built 1950 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | Individual Name on File |
| Last Sale | $950,000 (Jun 2019) |
| Tax Bill | $12,485 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 58-01101-0000-00002 |
| Primary APN | 58-01101-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,200 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Stucco |
| Lot Area | 43,996 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 006400 |
|---|---|
| Street Address | 29 LOCUST LN |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-2111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 1.01 AC. (1-A,1-A) |
| Legal Subdivision | BOROUGH/SADDLE RIVER |
| Legal Block | 1101 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | SADDLE RIVER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 53100 |
29 Locust Ln is owned and occupied by an individual who acquired it in March 2021.
Source: Bergen County and Saddle River Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 29 LOCUST LN, SADDLE RIVER, NJ 07458-2111 |
| 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 |
|---|---|
| Mar 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| May 3, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Jun 25, 2019 | Grant Deed, Transfer VESTED LAND SERVICES LLC, VESTED LAND SVCS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2019 · Amount on File |
| Deed Sale | Jun 25, 2019 · Amount on File |
| Prior Sale | Jun 5, 2007 · Amount on File |
| Deed Document Number | 201940214 |
| Deed Book / Page | 3276 / 1920 |
| Last Transfer Date | Mar 16, 2021 |
| Transfer Doc | 0041171904 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 29 LOCUST LN, SADDLE RIVER, NJ 07458-2111 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2022 |
| Title Company | COASTAL TITLE, COASTAL TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0046231954 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | 4623/1954 |
| Instrument | 2022032923 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 3, 2021 |
| Property Address | 29 LOCUST LN, SADDLE RIVER, NJ 07458-2111 |
| Document Number | 0041171904 |
| Book / Page | 4117 / 1904 |
| Instrument Date | Mar 16, 2021 |
| Instrument | 2021068438 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 29 LOCUST LN, SADDLE RIVER, NJ 07458-2111 |
| Document Number | 2021067543 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 2021067543 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 25, 2019 |
| Property Address | 29 LOCUST LN, SADDLE RIVER, NJ 07458-2111 |
| Document Number | 0032761920 |
| Book / Page | 003276 / 001920 |
| Instrument Date | Jun 4, 2019 |
| Instrument | 40214 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2019 |
| Title Company | VESTED LAND SERVICES LLC, VESTED LAND SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $95.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 29 LOCUST LN SADDLE RIVER NJ 074582111, SADDLE RIVER, NJ 07458-2111 |
The 2025 property tax bill for 29 Locust Ln was $12,485, up 3% from the year before.
Source: Bergen County and Saddle River Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Saddle River Borough |
| Unified School District | Saddle River Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,170,100 (-) Land $455,500 Building $714,600 | $1,170,100 (-) Land $455,500 Building $714,600 | |
| 2025 | $12,485.00 (+2.99%) | $1,170,100 Land $455,500 Building $714,600 | $1,170,100 Land $455,500 Building $714,600 |
| 2024 | $12,122.00 | ||
| 2023 | $1,170,100 Land $455,500 Building $714,600 | $1,170,100 Land $455,500 Building $714,600 | |
| 2022 | $11,630.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 29 Locust Ln in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1978.
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 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 68 (1978–2021) |
| Claims Outside the SFHA | 6 of 68 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 29 Locust 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 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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