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

Bergen County and Upper Saddle River Borough property record for 366 Lake St, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,570 sqft · built 1947
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Feb 2021)
Tax Bill	$13,934 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01205-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`63-01205-0000-00007`
Alternative APNs	`630120500007` `153900`

Interior

Stories	1 Story
Building Area	3,570 sqft Living Area
1st Floor Area	3,570 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	44,867 sqft

Location & Zoning

Account Number	153900
Street Address	366 LAKE ST
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.030 AC
Legal Subdivision	UPPER SADDLE RIVER
Legal Block	1205
Legal Lot Number	7
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2000
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough records, 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	2 Individual Names on Record
Mailing Address	366 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Feb 17, 2021	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2021 · Amount on Record
Deed Sale	Feb 17, 2021 · Amount on Record
Prior Sale	Aug 14, 1998 · Amount on Record
Deed Document Number	202120972
Deed Book / Page	3962 / 1214
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	366 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037130058
Date	Sep 17, 2020
Book Page	3713/58
Instrument	20-087687

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 17, 2021
Property Address	366 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Document Number	0039621214
Book / Page	3962 / 1214
Instrument Date	Dec 14, 2020
Instrument	2021020972
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	716 HOLMDEL RD, 716, HOLMDEL, NJ 07733-1508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	366 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750

Mortgage

Document Number	2021020973
Date	Feb 17, 2021
Instrument	2021020973

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 1, 2036

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		$538,000 (-) Land $281,800 Building $256,200	$538,000 (-) Land $281,800 Building $256,200
2025	$13,934.00 (+1.73%)	$538,000 (-) Land $281,800 Building $256,200	$538,000 (-) Land $281,800 Building $256,200
2024	$13,697.00 (+2.95%)
2023		$538,000 Land $281,800 Building $256,200	$538,000 Land $281,800 Building $256,200
2022	$13,304.00

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	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

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

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 134 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

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

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