36 Clover Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 36 Clover Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,673 sqft · built 1978
Lot Size	1 acres (43,691 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Aug 2018)
Tax Bill	$19,272 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`63-00704-0000-00023-01`

Property Details

APN / Parcel Number

Primary APN	`63-00704-0000-00023-01`
Alternative APNs	`63007040000000230001` `109930`

Interior

Building Area	3,673 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	43,691 sqft (1 acres)

Location & Zoning

Account Number	109930
Street Address	36 CLOVER LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.003AC
Legal Subdivision	MINOR SUB
Legal Block	704
Legal Lot Number	23.01
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2011
Census Tract	53202

Owner

36 Clover Ln is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	36 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
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
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA BANK
Dec 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COLUMBIA BANK
Aug 7, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on File
Deed Sale	Aug 7, 2018 · Amount on File
Deed Document Number	201818-056517
Deed Book / Page	3020 / 745
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	36 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044540745
Date	Nov 10, 2021
Book Page	4454/745
Instrument	2021168833

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	36 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST JERSEY TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038991358
Date	Jan 6, 2021
Book Page	3899/1358
Instrument	21-002158

Lender

Name	COLUMBIA BANK
Type	Bank
Address	FAIR LAWN, NJ 07410

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Dec 1, 2040

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	36 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034392127
Date	Dec 14, 2019
Book Page	3439/2127
Instrument	19-087572

Lender

Name	COLUMBIA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	229 Months
Due	Jan 1, 2039

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 7, 2018
Property Address	36 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
Document Number	0030200745
Book / Page	3020 / 745
Instrument Date	Jul 27, 2018
Instrument	00018-056517
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808

Tax Assessment & Valuation

The 2025 property tax bill for 36 Clover Ln was $19,272, 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		$744,100 (-) Land $345,100 Building $399,000	$744,100 (-) Land $345,100 Building $399,000
2025	$19,272.00 (+1.73%)	$744,100 Land $345,100 Building $399,000	$744,100 Land $345,100 Building $399,000
2024	$18,944.00
2023		$744,100 Land $345,100 Building $399,000	$744,100 Land $345,100 Building $399,000
2022	$18,401.00

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

Flood

FEMA maps place 36 Clover 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 36 Clover 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 140 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

May also be available: AT&T, Xfinity.

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