Bergen County and Upper Saddle River Borough property record for 32 Lake Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,668 sqft · built 1976 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $355,000 (Jul 1996) |
| Tax Bill | $21,510 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Sep 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00808-0000-00014 |
| Primary APN | 63-00808-0000-00014 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,668 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Lot Area | 42,689 sqft (0.98 acres) |
| Account Number | 077200 |
|---|---|
| Street Address | 32 LAKE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .980 AC |
| Legal Block | 808 |
| Legal Lot Number | 14 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1017 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 1, 2023 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Feb 24, 2017 | Deed of Trust, Mortgage · ARM CITIZENS BANK NA |
| Jan 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Dec 8, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Sep 18, 2019 | Loan Modification, Mortgage · Line of Credit CITIZENS BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 1996 · Amount on Record |
| Deed Sale | Jul 5, 1996 · Amount on Record |
| Deed Book / Page | 7891 / 22 |
| Last Transfer Date | Aug 8, 2014 |
| Transfer Doc | 0017721421 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0051260685 |
|---|---|
| Date | Nov 16, 2023 |
| Book Page | 5126/685 |
| Instrument | 2023074582 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 18, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0050730483 |
|---|---|
| Date | Sep 1, 2023 |
| Book Page | 5073/483 |
| Instrument | 2023057669 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0025450259 |
|---|---|
| Date | Feb 24, 2017 |
| Book Page | 02545/0259 |
| Instrument | 17-017535.02 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | ARM |
|---|---|
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034621592 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 3462/1592 |
| Instrument | 2020003756 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Feb 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0038541369 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 3854/1369 |
| Instrument | 20-129830 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | WARWICK, RI 02886 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Oct 14, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0034621586 |
| Instrument Date | Sep 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 32 LAKE RD UPPER SADDLE RIVER NJ 074581606, UPPER SADDLE RIVER, NJ 07458-1606 |
| Document Number | 0034621586 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 003462/001586 |
| Instrument | 20003754 |
| Name | CITIZENS BK NA |
|---|---|
| Address | RIVERSIDE, RI 02915 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $830,500 (-) Land $298,000 Building $532,500 | $830,500 (-) Land $298,000 Building $532,500 | |
| 2025 | $21,510.00 (+1.73%) | $830,500 (-) Land $298,000 Building $532,500 | $830,500 (-) Land $298,000 Building $532,500 |
| 2024 | $21,145.00 (+3.76%) | ||
| 2023 | $830,500 Land $298,000 Building $532,500 | $830,500 Land $298,000 Building $532,500 | |
| 2022 | $20,379.00 |
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 94% of the US · lower than 83% 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 162 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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