35 Cottage Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 35 Cottage Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,784 sqft · built 1984
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$820,100 (Feb 2021)
Tax Bill	$13,535 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`63-00305-0000-00006-11`

Property Details

APN / Parcel Number

Primary APN	`63-00305-0000-00006-11`
Alternative APN	`63003050000000060011`

Interior

Stories	2 Stories
Building Area	2,784 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	35 COTTAGE LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.300 AC
Legal Subdivision	BARLO BLDRS & DEVELOPERS INC
Legal Block	305
Legal Lot Number	6.11
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	1
Census Block	1000
Census Tract	53201

Owner

35 Cottage Ln is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	35 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1308
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

Date	Document
Feb 5, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Feb 22, 2017	Loan Modification, Mortgage M&T BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021 · Amount on File
Deed Sale	Feb 5, 2021 · Amount on File
Prior Sale	Jul 6, 2000 · Amount on File
Deed Document Number	202116322
Deed Book / Page	3946 / 1682
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 5, 2021
Property Address	35 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1308
Document Number	0039461682
Book / Page	3946 / 1682
Instrument Date	Nov 30, 2020
Instrument	2021016322
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	EVERGREEN LAND TITLE SERVICES INC, EVERGREEN LAND TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,522.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 COTTAGE LN, 35, UPPER SADDLE RIVER, NJ 07458-1308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1308

Mortgage

Document Number	2021016323
Date	Feb 5, 2021
Instrument	2021016323

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2050

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BERGEN NJ
Property Address	35 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1308
Document Number	0025712102
Book / Page	002571 / 002102
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	May 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35 COTTAGE LN UPPER SADDLE RIVER NJ 074581308, UPPER SADDLE RIVER, NJ 07458-1308

Mortgage

Document Number	0025712102
Date	Mar 24, 2017
Book Page	002571/002102

Lender

Name	M&T BK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Amount	Amount on Record
Term	480 Months
Due	Mar 23, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.62%

Tax Assessment & Valuation

The 2025 property tax bill for 35 Cottage Ln was $13,535, 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		$522,600 (-) Land $230,000 Building $292,600	$522,600 (-) Land $230,000 Building $292,600
2025	$13,535.00 (+1.73%)	$522,600 Land $230,000 Building $292,600	$522,600 Land $230,000 Building $292,600
2024	$13,305.00
2023		$522,600 Land $230,000 Building $292,600	$522,600 Land $230,000 Building $292,600
2022	$12,923.00

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

Flood

FEMA maps place 35 Cottage Ln 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	7 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 35 Cottage Ln 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

Cell Coverage

5G (outdoors only) and 4G LTE

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