357 Lake St, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 357 Lake St, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,722 sqft · built 1969
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on File
Last Sale	$950,000 (Jul 2018)
Tax Bill	$13,735 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`63-00909-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`63-00909-0000-00001`
Alternative APNs	`630090900001` `081720`

Interior

Stories	2 Stories
Building Area	2,722 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	37,462 sqft (0.86 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	081720
Street Address	357 LAKE ST
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.860 AC
Legal Subdivision	LAKE WOODS
Legal Block	909
Legal Lot Number	1
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	1
Census Block	1003
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough assessment roll, 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 File
Mailing Address	357 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 12, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jul 2, 2018	Quit Claim Deed ATTORNEY ONLY
May 2, 2018	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 2, 2018 · Amount on Record
Deed Sale	Jul 2, 2018 · Amount on Record
Prior Sale	May 2, 2018 · Amount on Record
Deed Document Number	201818-046371
Deed Book / Page	2983 / 712
Last Transfer Date	Apr 3, 2025
Transfer Doc	0055141175
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	357 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1749
Transaction Type	Mortgage
Record Updated	May 21, 2021
Title Company	TITLEMARK PLLC, TITLEMARK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040900302
Date	Apr 20, 2021
Book Page	4090/302
Instrument	2021060150

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	357 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1749
Transaction Type	Mortgage
Record Updated	May 21, 2021
Title Company	TITLEMARK PLLC, TITLEMARK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040900302
Date	Apr 20, 2021
Book Page	4090/302
Instrument	2021060149

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 12, 2019
Property Address	357 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1749
Document Number	0032650012
Book / Page	003265 / 000012
Instrument Date	May 11, 2019
Instrument	36857
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$950.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	357 LAKE ST UPPER SADDLE RIVER NJ 074581749, UPPER SADDLE RIVER, NJ 07458-1749

July 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 2, 2018
Property Address	357 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1749
Document Number	0029830712
Book / Page	002983 / 000712
Instrument Date	Jun 21, 2018
Instrument	46371
Record Updated	Jul 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 LAKE ST UPPER SADDLE RIVER NJ 074581749, UPPER SADDLE RIVER, NJ 07458-1749

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	May 2, 2018
Property Address	357 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1749
Document Number	0029291923
Book / Page	002929 / 001923
Instrument Date	Apr 21, 2018
Instrument	30903
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 LAKE ST UPPER SADDLE RIVER NJ 074581749, UPPER SADDLE RIVER, NJ 07458-1749

Tax Assessment & Valuation

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		$530,300 (-) Land $274,400 Building $255,900	$530,300 (-) Land $274,400 Building $255,900
2025	$13,735.00 (+1.73%)	$530,300 (-) Land $274,400 Building $255,900	$530,300 (-) Land $274,400 Building $255,900
2024	$13,501.00 (+2.95%)
2023		$530,300 Land $274,400 Building $255,900	$530,300 Land $274,400 Building $255,900
2022	$13,114.00

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

Flood

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	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

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	Direct burnable vegetation at the parcel

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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: AT&T, T-Mobile USA.

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