3 Blue Spruce Dr, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 3 Blue Spruce Dr, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,688 sqft · built 1967
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$910,000 (Aug 2008)
Tax Bill	$15,229 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-00701-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`63-00701-0000-00018`
Alternative APNs	`630070100018` `104110`

Interior

Stories	2 Stories
Building Area	2,688 sqft Living Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	37,462 sqft (0.86 acres)

Location & Zoning

Account Number	104110
Street Address	3 BLUE SPRUCE DR
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.860 AC
Legal Subdivision	H&C BUILDERS SUB
Legal Block	701
Legal Lot Number	18
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2011
Census Tract	53202

Owner

3 Blue Spruce Dr is owned and occupied by two individuals who bought it in August 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 BLUE SPRUCE DR, UPPER SADDLE RIVER, NJ 07458-1801
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
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2008 · Amount on File
Deed Sale	Aug 5, 2008 · Amount on File
Deed Document Number	200873393
Deed Book / Page	9586 / 213
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	3 BLUE SPRUCE DR, UPPER SADDLE RIVER, NJ 07458-1801
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042741398
Date	Jul 16, 2021
Book Page	4274/1398
Instrument	2021114197

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.95%
Type Change Date	Jun 1, 2026
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	3.92%
Index	Other
Margin	3
Max Rate	6.92%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	3 BLUE SPRUCE DR, UPPER SADDLE RIVER, NJ 07458-1801
Document Number	0035320050
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 BLUE SPRUCE DR UPPER SADDLE RIVER NJ 074581801, UPPER SADDLE RIVER, NJ 07458-1801

Mortgage

Document Number	0035320050
Date	Mar 5, 2020
Book Page	003532/000050
Instrument	20026498

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3 Blue Spruce Dr was $15,229, 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		$588,000 (-) Land $339,400 Building $248,600	$588,000 (-) Land $339,400 Building $248,600
2025	$15,229.00 (+1.73%)	$588,000 Land $339,400 Building $248,600	$588,000 Land $339,400 Building $248,600
2024	$14,970.00
2023		$588,000 Land $339,400 Building $248,600	$588,000 Land $339,400 Building $248,600
2022	$14,541.00

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

Flood

FEMA maps place 3 Blue Spruce Dr 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 3 Blue Spruce Dr 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 94% of the US · lower than 83% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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