Bergen County and Upper Saddle River Borough property record for 348 Lake St, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,962 sqft · built 2008 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,295,000 (Jun 2010) |
| Tax Bill | $22,528 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01205-0000-00002 |
| Primary APN | 63-01205-0000-00002 |
|---|---|
| Alternative APNs |
|
| Building Area | 4,962 sqft Living Area |
|---|
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Lot Area | 45,738 sqft (1.05 acres) |
| Account Number | 154400 |
|---|---|
| Street Address | 348 LAKE ST |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 1.050 AC |
| Legal Block | 1205 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 53201 |
348 Lake St is owned and occupied by two individuals who bought it in June 2010.
Source: Bergen County and Upper Saddle River Borough records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 348 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750 |
| 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.
| Date | Document |
|---|---|
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Sep 28, 2017 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Oct 26, 2017 | Deed of Trust, Mortgage TD BK NA |
| Oct 26, 2017 | Loan Modification, Mortgage · Line of Credit TD BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2010 · Amount on File |
| Deed Sale | Jun 23, 2010 · Amount on File |
| Prior Sale | Oct 30, 2007 · Amount on File |
| Deed Document Number | 20104590029 |
| Deed Book / Page | 459 / 29 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 348 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041730249 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 4173/249 |
| Instrument | 2021085073 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 348 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0027351079 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 02735/1079 |
| Instrument | 17-072500 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 7, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 348 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750 |
| Document Number | 0027891197 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2017 |
| Title Company | ATLANTIS ABSTRACT LLC, ATLANTIS ABS LLC |
| Name | Verified Name |
|---|---|
| Address | 348 LAKE ST UPPER SADDLE RIVER NJ 074581750, UPPER SADDLE RIVER, NJ 07458-1750 |
| Document Number | 0027891197 |
|---|---|
| Date | Nov 20, 2017 |
| Book Page | 002789/001197 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 19, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 348 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750 |
| Document Number | 0027891189 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 348 LAKE ST UPPER SADDLE RIVER NJ 074581750, UPPER SADDLE RIVER, NJ 07458-1750 |
| Document Number | 0027891189 |
|---|---|
| Date | Nov 20, 2017 |
| Book Page | 002789/001189 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | LEWISTON, ME 04240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 348 Lake St was $22,528, down 8.8% 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 | $869,800 (-) Land $283,000 Building $586,800 | $869,800 (-) Land $283,000 Building $586,800 | |
| 2025 | $22,528.00 (-8.76%) | $869,800 Land $283,000 Building $586,800 | $869,800 Land $283,000 Building $586,800 |
| 2024 | $24,691.00 | ||
| 2023 | $969,800 Land $283,000 Building $686,800 | $969,800 Land $283,000 Building $686,800 | |
| 2022 | $25,704.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 348 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 348 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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