Bergen County and Upper Saddle River Borough property record for 296 Lake St, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,271 sqft · built 1976 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $890,000 (Jul 2018) |
| Tax Bill | $19,788 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01204-0000-00002 |
| Primary APN | 63-01204-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,271 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Frame |
| Lot Area | 47,916 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 150350 |
|---|---|
| Street Address | 296 LAKE ST |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 1.100 AC |
| Legal Subdivision | FREDERICK W & ROBERT C BECKMAN |
| Legal Block | 1204 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 53201 |
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 296 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 25, 2018 | Deed with Mortgage, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2018 · Amount on Record |
| Deed Sale | Jul 25, 2018 · Amount on Record |
| Prior Sale | Jul 27, 1998 · Amount on Record |
| Deed Document Number | 201818-053088 |
| Deed Book / Page | 3007 / 1145 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 296 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1725 |
| Document Number | 0036150413 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 296 LAKE ST UPPER SADDLE RIVER NJ 074581725, UPPER SADDLE RIVER, NJ 07458-1725 |
| Document Number | 0036150413 |
|---|---|
| Date | Jun 4, 2020 |
| Book Page | 003615/000413 |
| Instrument | 20055097 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 3, 2050 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 25, 2018 |
| Property Address | 296 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1725 |
| Document Number | 0030071145 |
| Book / Page | 003007 / 001145 |
| Instrument Date | Jul 10, 2018 |
| Instrument | 53088 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2018 |
| Title Company | AMTRUST TITLE INSURANCE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $890.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 296 LAKE ST UPPER SADDLE RIVER NJ 074581725, UPPER SADDLE RIVER, NJ 07458-1725 |
| Document Number | 30071151 |
|---|---|
| Date | Jul 25, 2018 |
| Book Page | 003007/001151 |
| Instrument | 53088 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 24, 2048 |
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 | $764,000 (-) Land $286,000 Building $478,000 | $764,000 (-) Land $286,000 Building $478,000 | |
| 2025 | $19,788.00 (+1.73%) | $764,000 (-) Land $286,000 Building $478,000 | $764,000 (-) Land $286,000 Building $478,000 |
| 2024 | $19,451.00 (+2.95%) | ||
| 2023 | $764,000 Land $286,000 Building $478,000 | $764,000 Land $286,000 Building $478,000 | |
| 2022 | $18,893.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% 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 171 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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