Bergen County and Upper Saddle River Borough property record for 36 Cottage Ln, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,702 sqft · built 1982 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $801,000 (Apr 2021) |
| Tax Bill | $13,657 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00306-0000-00014 |
| Primary APN | 63-00306-0000-00014 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,702 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 10,019 sqft (0.23 acres) |
| Account Number | 031200 |
|---|---|
| Street Address | 36 COTTAGE LN |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .230 AC |
| Legal Subdivision | BARLO BLDRS & DEVELOPERS INC |
| Legal Block | 306 |
| Legal Lot Number | 14 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 53201 |
36 Cottage Ln is owned and occupied by two individuals who bought it in April 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 | 36 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1306 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2021 · Amount on File |
| Deed Sale | Apr 22, 2021 · Amount on File |
| Prior Sale | Jun 26, 2013 · Amount on File |
| Deed Document Number | 202162493 |
| Deed Book / Page | 4097 / 1209 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 22, 2021 |
| Property Address | 36 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1306 |
| Document Number | 0040971209 |
| Book / Page | 4097 / 1209 |
| Instrument Date | Mar 18, 2021 |
| Instrument | 2021062493 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2021 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,315.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 64 DIXON DR, 64, FLORHAM PARK, NJ 07932-1544 |
| Name | Verified Name |
|---|---|
| Address | 36 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1306 |
| Document Number | 2021062494 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 2021062494 |
| Name | PINNACLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 36 Cottage Ln was $13,657, up 1.7% 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 | $527,300 (-) Land $223,000 Building $304,300 | $527,300 (-) Land $223,000 Building $304,300 | |
| 2025 | $13,657.00 (+1.73%) | $527,300 Land $223,000 Building $304,300 | $527,300 Land $223,000 Building $304,300 |
| 2024 | $13,425.00 | ||
| 2023 | $527,300 Land $223,000 Building $304,300 | $527,300 Land $223,000 Building $304,300 | |
| 2022 | $12,891.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 36 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 risk around 36 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 95% of the US · lower than 87% 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.
Source: FCC Broadband Data Collection, based on 167 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 |
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