Bergen County and Upper Saddle River Borough property record for 32 Ridge Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 5,017 sqft · built 1955 |
| Lot Size | 1.16 acres (50,530 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $550,000 (Jun 2012) |
| Tax Bill | $25,268 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit Mar 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01217-0000-00034 |
| Primary APN | 63-01217-0000-00034 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 5,017 sqft Living Area |
| 1st Floor Area | 5,017 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 50,530 sqft |
| Account Number | 159200 |
|---|---|
| Street Address | 32 RIDGE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-2150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 1.160 AC |
| Legal Subdivision | PEPPERIDGE HILL SEC 1 |
| Legal Block | 1217 |
| Legal Lot Number | 34 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 53201 |
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 32 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2021 | Deed of Trust, Mortgage · Line of Credit FULTON BANK NA |
| Mar 9, 2017 | Deed of Trust, Mortgage FULTON BANK OF NEW JERSEY |
| Dec 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA |
| Nov 21, 2016 | Loan Modification, Mortgage FULTON BK/NJ |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2012 · Amount on Record |
| Deed Sale | Jun 7, 2012 · Amount on Record |
| Deed Document Number | 201255035 |
| Deed Book / Page | 1062 / 223 |
| Prior Transfer Date | Mar 24, 1999 |
| Prior Transfer Doc | 0000051848 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2150 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 32 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2150 |
| Document Number | 0039101871 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 3910/1871 |
| Instrument | 21-005379 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | HACKETTSTOWN, NJ 07840 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2150 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0025571704 |
|---|---|
| Date | Mar 9, 2017 |
| Book Page | 02557/1704 |
| Instrument | 17-021396 |
| Name | FULTON BANK OF NEW JERSEY |
|---|---|
| Type | Bank |
| Address | MOUNT LAUREL, NJ 08054 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2150 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0038801480 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 3880/1480 |
| Instrument | 20-137933 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | LANCASTER, PA 17602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2150 |
| Document Number | 0025202363 |
| Instrument Date | Nov 21, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Name | Verified Name |
|---|---|
| Address | 32 RIDGE RD UPPER SADDLE RIVER NJ 074582150, UPPER SADDLE RIVER, NJ 07458-2150 |
| Document Number | 0025202363 |
|---|---|
| Date | Jan 30, 2017 |
| Book Page | 002520/002363 |
| Name | FULTON BK/NJ |
|---|---|
| Type | Bank |
| Address | EAST PETERSBURG, PA 17520 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 29, 2047 |
| 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 | $975,600 (-) Land $354,000 Building $621,600 | $975,600 (-) Land $354,000 Building $621,600 | |
| 2025 | $25,268.00 (+1.73%) | $975,600 (-) Land $354,000 Building $621,600 | $975,600 (-) Land $354,000 Building $621,600 |
| 2024 | $24,838.00 (+3.75%) | ||
| 2023 | $975,600 Land $354,000 Building $621,600 | $975,600 Land $354,000 Building $621,600 | |
| 2022 | $23,941.00 |
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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