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

Bergen County and Upper Saddle River Borough property record for 368 Lake St, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	1,945 sqft · built 1951
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$669,000 (Nov 2022)
Tax Bill	$10,332 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-01205-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`63-01205-0000-00008`
Alternative APNs	`630120500008` `153800`

Interior

Stories	1 Story
Building Area	1,945 sqft Living Area
1st Floor Area	1,945 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Frame
Lot Area	22,651 sqft (0.52 acres)

Location & Zoning

Account Number	153800
Street Address	368 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	.520 AC
Legal Block	1205
Legal Lot Number	8
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2000
Census Tract	53201

Owner

368 Lake St is owned by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	382 S BROAD ST, RIDGEWOOD, NJ 07450-5000
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 29, 2022	Deed, Transfer · Conventional Mortgage FAMILY FIRST FUNDING LLC
Jul 16, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAS MORTGAGE LENDER LLC AMERICAS MORTGAGE LENDER LLC
Feb 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAS MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on File
Deed Sale	Nov 29, 2022 · Amount on File
Prior Sale	Aug 6, 2012 · Amount on File
Deed Document Number	2022110926
Deed Book / Page	4870 / 1494
Record Updated	Sep 20, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 29, 2022
Property Address	368 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Document Number	0048701454
Book / Page	4870 / 1454
Instrument Date	Aug 29, 2022
Instrument	2022110926
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	CARNEGIE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,916.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	368 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 S BROAD ST, RIDGEWOOD, NJ 07450-5000

Mortgage

Document Number	2022110927
Date	Nov 29, 2022
Instrument	2022110927

Lender

Name	FAMILY FIRST FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	368 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Document Number	0037740310
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	368 LAKE ST UPPER SADDLE RIVER NJ 074581750, UPPER SADDLE RIVER, NJ 07458-1750

Mortgage

Document Number	0037740310
Date	Oct 20, 2020
Book Page	003774/000310
Instrument	105750

Lender

Name	AMERICAS MORTGAGE LENDER LLC AMERICAS MORTGAGE LENDER LLC
Type	Bank
Address	WHIPPANY, NJ 07981

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	368 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Document Number	0028860053
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 29, 2018
Title Company	ALL PRO TITLE GROUP LLC, ALL PRO TITLE GRP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	368 LAKE ST UPPER SADDLE RIVER NJ 074581750, UPPER SADDLE RIVER, NJ 07458-1750

Mortgage

Document Number	0028860053
Date	Mar 16, 2018
Book Page	002886/000053

Lender

Name	AMERICAS MORTGAGE
Address	WHIPPANY, NJ 07981

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 368 Lake St was $10,332, 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		$398,900 (-) Land $260,800 Building $138,100	$398,900 (-) Land $260,800 Building $138,100
2025	$10,332.00 (+1.74%)	$398,900 Land $260,800 Building $138,100	$398,900 Land $260,800 Building $138,100
2024	$10,155.00
2023		$398,900 Land $260,800 Building $138,100	$398,900 Land $260,800 Building $138,100
2022	$9,864.00

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

Flood

FEMA maps place 368 Lake St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 368 Lake St 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 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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