348 W Saddle River Rd, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 348 W Saddle River Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,390 sqft · built 1998
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on File
Last Sale	$862,300 (Jun 2020)
Tax Bill	$16,706 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01202-0000-00013-04`

Property Details

APN / Parcel Number

Primary APN	`63-01202-0000-00013-04`
Alternative APN	`63012020000000130004`

Interior

Building Area	3,390 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	37,897 sqft (0.87 acres)

Location & Zoning

Street Address	348 W SADDLE RIVER RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.870 AC
Legal Subdivision	FINAL SUBDIVISION PLAT VALLEAU ESTATES
Legal Block	1202
Legal Lot Number	13.04
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2004
Census Tract	53201

Owner

348 W Saddle River Rd is owned and occupied by two individuals who bought it in June 2020.

Source: Bergen County and Upper Saddle River Borough records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	348 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-2121
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2020 · Amount on File
Deed Sale	Jun 11, 2020 · Amount on File
Prior Sale	Aug 11, 2015 · Amount on File
Deed Document Number	202057348
Deed Book / Page	3621 / 479
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 11, 2020
Property Address	348 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-2121
Document Number	0036210479
Book / Page	003621 / 000479
Instrument Date	May 20, 2020
Instrument	20057348
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$862.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	348 W SADDKE RIVER RD UPPER SADDLE RIVER NJ 07458, UPPER SADDLE RIVER, NJ 07458

Mortgage

Document Number	36210483
Date	Jun 11, 2020
Book Page	003621/000483
Instrument	20057349

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 348 W Saddle River Rd was $16,706, up 1.7% from the year before.

Source: Bergen County and Upper Saddle River Borough assessment roll, as of June 29, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$645,000 (-) Land $274,800 Building $370,200	$645,000 (-) Land $274,800 Building $370,200
2025	$16,706.00 (+1.74%)	$645,000 Land $274,800 Building $370,200	$645,000 Land $274,800 Building $370,200
2024	$16,421.00
2023		$645,000 Land $274,800 Building $370,200	$645,000 Land $274,800 Building $370,200
2022	$15,950.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 348 W Saddle River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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

Wildfire risk around 348 W Saddle River Rd 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 96% of the US · lower than 89% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 87 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20