Bergen County and Upper Saddle River Borough property record for 3 Cottage Ln, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 1,641 sqft · built 1940 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,119 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00305-0000-00016 |
| Primary APN | 63-00305-0000-00016 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,641 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 15,682 sqft (0.36 acres) |
| Account Number | 029100 |
|---|---|
| Street Address | 3 COTTAGE LN |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .360 AC |
| Legal Block | 305 |
| Legal Lot Number | 16 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 53201 |
3 Cottage Ln is owned and occupied by an individual.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1305 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3 Cottage Ln was $9,119, 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 | $352,100 (-) Land $236,000 Building $116,100 | $352,100 (-) Land $236,000 Building $116,100 | |
| 2025 | $9,119.00 (+1.73%) | $352,100 Land $236,000 Building $116,100 | $352,100 Land $236,000 Building $116,100 |
| 2024 | $8,964.00 | ||
| 2023 | $352,100 Land $236,000 Building $116,100 | $352,100 Land $236,000 Building $116,100 | |
| 2022 | $8,707.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Cottage 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 risk around 3 Cottage 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 159 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 |
5G (outdoors only) and 4G LTE
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