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

Bergen County and Upper Saddle River Borough property record for 370 Lake St, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,478 sqft · built 1963
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Jan 2019)
Tax Bill	$13,201 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-01205-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`63-01205-0000-00009`
Alternative APNs	`630120500009` `153700`

Interior

Stories	2 Stories
Building Area	2,478 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Frame
Lot Area	23,087 sqft (0.53 acres)

Location & Zoning

Account Number	153700
Street Address	370 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	.530 AC
Legal Block	1205
Legal Lot Number	9
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2000
Census Tract	53201

Owner

370 Lake St is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	370 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
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
Aug 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAMILY FIRST FUNDING LLC
Jan 11, 2019	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2019 · Amount on File
Deed Sale	Jan 11, 2019 · Amount on File
Deed Document Number	2019282001
Deed Book / Page	3153 / 495
Prior Transfer Date	Dec 10, 2018
Prior Transfer Doc	0031530489
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	370 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050570730
Date	Aug 14, 2023
Book Page	5057/730
Instrument	2023052633

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	370 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036021569
Date	May 20, 2020
Book Page	3602/1569
Instrument	20-050395

Lender

Name	FAMILY FIRST FUNDING LLC
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 11, 2019
Property Address	370 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1750
Document Number	0031530495
Book / Page	003153 / 000495
Instrument Date	Dec 31, 2018
Instrument	2820
Transaction Type	Transfer
Record Updated	Jan 22, 2019
Title Company	MAIN STREET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	370 LAKE ST UPPER SADDLE RIVER NJ 074581750, UPPER SADDLE RIVER, NJ 07458-1750

Mortgage

Document Number	31530501
Date	Jan 11, 2019
Book Page	003153/000501

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 370 Lake St was $13,201, 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		$509,700 (-) Land $261,200 Building $248,500	$509,700 (-) Land $261,200 Building $248,500
2025	$13,201.00 (+1.73%)	$509,700 Land $261,200 Building $248,500	$509,700 Land $261,200 Building $248,500
2024	$12,977.00
2023		$509,700 Land $261,200 Building $248,500	$509,700 Land $261,200 Building $248,500
2022	$12,604.00

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

Flood

FEMA maps place 370 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 370 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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