Bergen County and Upper Saddle River Borough property record for 312 Lake St, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 1,496 sqft · built 1969 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $562,000 (Mar 2014) |
| Tax Bill | $10,707 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01204-0000-00005 |
| Primary APN | 63-01204-0000-00005 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,496 sqft Living Area |
| 1st Floor Area | 1,496 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Construction Type | Frame |
| Lot Area | 40,511 sqft (0.93 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 155000 |
|---|---|
| Street Address | 312 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 | .930 AC |
| Legal Block | 1204 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 53201 |
312 Lake St is owned and occupied by two individuals who bought it in March 2014.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1725 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2014 · Amount on File |
| Deed Sale | Mar 4, 2014 · Amount on File |
| Prior Sale | Mar 31, 2005 · Amount on File |
| Deed Document Number | 201413541 |
| Deed Book / Page | 1628 / 779 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 312 Lake St was $10,707, 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 | $413,400 (-) Land $277,200 Building $136,200 | $413,400 (-) Land $277,200 Building $136,200 | |
| 2025 | $10,707.00 (+1.73%) | $413,400 Land $277,200 Building $136,200 | $413,400 Land $277,200 Building $136,200 |
| 2024 | $10,525.00 | ||
| 2023 | $413,400 Land $277,200 Building $136,200 | $413,400 Land $277,200 Building $136,200 | |
| 2022 | $10,223.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 Lake St 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 | 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.
Wildfire risk around 312 Lake St 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 85% 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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