Bergen County and Upper Saddle River Borough property record for 31 Ridge Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,575 sqft · built 2005 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $765,000 (Jun 2004) |
| Tax Bill | $28,433 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01216-0000-00007 |
| Primary APN | 63-01216-0000-00007 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,575 sqft Living Area |
| 1st Floor Area | 4,575 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Lot Area | 37,462 sqft (0.86 acres) |
| Account Number | 157900 |
|---|---|
| Street Address | 31 RIDGE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-2140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .860 AC |
| Legal Block | 1216 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2009 |
| 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 Company Names on Record |
|---|---|
| Mailing Address | 118 BANYAN ISLE DR, PALM BEACH GARDENS, FL 33418-4601 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 29, 2025 | Intrafamily Transfer, Transfer |
| Aug 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2004 · Amount on Record |
| Deed Sale | Jun 2, 2004 · Amount on Record |
| Prior Sale | Feb 17, 2004 · Amount on Record |
| Deed Book / Page | 8687 / 453 |
| Last Transfer Date | Jul 17, 2025 |
| Transfer Doc | 0056110887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 29, 2025 |
| Property Address | 31 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2140 |
| Document Number | 0056110887 |
| Book / Page | 5611 / 887 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 2025066932 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 BANYAN ISLE DR, PALM BEACH GARDENS, FL 33418-4601 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 118 BANYAN ISLE DR, PALM BEACH GARDENS, FL 33418-4601 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 31 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2140 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0036731507 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 3673/1507 |
| Instrument | 20-075450 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
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 | $1,097,800 (-) Land $343,700 Building $754,100 | $1,097,800 (-) Land $343,700 Building $754,100 | |
| 2025 | $28,433.00 (+1.73%) | $1,097,800 (-) Land $343,700 Building $754,100 | $1,097,800 (-) Land $343,700 Building $754,100 |
| 2024 | $27,950.00 (+2.66%) | $1,097,800 (-) Land $343,700 Building $754,100 | $1,097,800 (-) Land $343,700 Building $754,100 |
| 2023 | $27,225.00 (+1%) | $1,097,800 Land $343,700 Building $754,100 | $1,097,800 Land $343,700 Building $754,100 |
| 2022 | $26,955.00 |
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 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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