Bergen County and Upper Saddle River Borough property record for 3 Valley Ln, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 5,598 sqft · built 1965 |
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $785,000 (May 2011) |
| Tax Bill | $28,148 (2025) |
| Deeds & Mortgages | Jun 2021 Construction Loan Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00805-0000-00007 |
| Primary APN | 63-00805-0000-00007 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 5,598 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 39,640 sqft (0.91 acres) |
| Account Number | 071300 |
|---|---|
| Street Address | 3 VALLEY LN |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .910 AC |
| Legal Subdivision | JOHN NELSON SEC 2 |
| Legal Block | 805 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 53202 |
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 | 3 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2021 | Deed of Trust, Mortgage · Construction Mortgage TD BANK NA |
| Oct 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 2, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 25, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2011 · Amount on Record |
| Deed Sale | May 6, 2011 · Amount on Record |
| Prior Sale | Aug 6, 2002 · Amount on Record |
| Deed Document Number | 20117341283 |
| Deed Book / Page | 734 / 1283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 3 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1609 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1807 WHITNEY LN, ALLENDALE, NJ 07401-1778 |
| Document Number | 0041970707 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 4197/707 |
| Instrument | 2021091772 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | May 1, 2028 |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.87% |
| Index | 12-Month MTA |
| Margin | 3 |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 3 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1609 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0037691331 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 3769/1331 |
| Instrument | 20-104419 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 3 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1609 |
| Document Number | 0035460746 |
| Instrument Date | Mar 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 VALLEY LN UPPER SADDLE RIVER NJ 074581609, UPPER SADDLE RIVER, NJ 07458-1609 |
| Document Number | 0035460746 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 003546/000746 |
| Instrument | 20030956 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 15, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 3 VALLEY LN, UPPER SADDLE RIVER, NJ 07458-1609 |
| Document Number | 0025552210 |
| Book / Page | 002555 / 002210 |
| Instrument Date | Feb 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2017 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 VALLEY LN UPPER SADDLE RIVER NJ 074581609, UPPER SADDLE RIVER, NJ 07458-1609 |
| Document Number | 0025552210 |
|---|---|
| Date | Mar 7, 2017 |
| Book Page | 002555/002210 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 6, 2047 |
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 | $1,086,800 (-) Land $341,400 Building $745,400 | $1,086,800 (-) Land $341,400 Building $745,400 | |
| 2025 | $28,148.00 (+1.73%) | $1,086,800 (-) Land $341,400 Building $745,400 | $1,086,800 (-) Land $341,400 Building $745,400 |
| 2024 | $27,669.00 (+90.87%) | ||
| 2023 | $1,086,800 (+85.4%) Land $341,400 Building $745,400 | $1,086,800 (+85.4%) Land $341,400 Building $745,400 | |
| 2022 | $14,496.00 (+0.2%) | $586,200 Land $341,400 Building $244,800 | $586,200 Land $341,400 Building $244,800 |
| 2021 | $14,467.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 6 (2011–2024) |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
| 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 149 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 |
| AT&T Fixed Wireless | 100 / 20 |
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