Bergen County and Upper Saddle River Borough property record for 38 Cider Hill, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,667 sqft · built 1970 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $970,000 (Oct 2018) |
| Tax Bill | $19,902 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00905-0000-00006 |
| Primary APN | 63-00905-0000-00006 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,667 sqft Living Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Construction Type | Frame |
| Lot Area | 37,897 sqft (0.87 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 101165 |
|---|---|
| Street Address | 38 CIDER HL |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .870 AC |
| Legal Subdivision | BOROUGH/UPPER SADDLE RIVER SEC |
| Legal Block | 905 |
| Legal Lot Number | 6 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 53201 |
38 Cider Hill is owned and occupied by two individuals who bought it in October 2018.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 CIDER HL, UPPER SADDLE RIVER, NJ 07458-1763 |
| 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.
| Date | Document |
|---|---|
| Apr 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Oct 18, 2018 | Deed, Transfer · ARM MORGAN STANLEY CREDIT CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2018 · Amount on File |
| Deed Sale | Oct 18, 2018 · Amount on File |
| Deed Document Number | 201818-074308 |
| Deed Book / Page | 3084 / 2133 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 38 CIDER HL, UPPER SADDLE RIVER, NJ 07458-1763 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0041030864 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 4103/864 |
| Instrument | 2021064245 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 18, 2018 |
| Property Address | 38 CIDER HL, UPPER SADDLE RIVER, NJ 07458-1763 |
| Document Number | 0030842133 |
| Book / Page | 3084 / 2133 |
| Instrument Date | Sep 6, 2018 |
| Instrument | 00018-074308 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38 CIDER HL, UPPER SADDLE RIVER, NJ 07458-1763 |
| Document Number | 0030842140 |
|---|---|
| Date | Oct 18, 2018 |
| Book Page | 3084/2140 |
| Instrument | 2018-074308.01 |
| Name | MORGAN STANLEY CREDIT CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.9% |
| Type Change Date | Oct 12, 2025 |
| Index | Other |
The 2025 property tax bill for 38 Cider Hill was $19,902, 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 | $768,400 (-) Land $384,800 Building $383,600 | $768,400 (-) Land $384,800 Building $383,600 | |
| 2025 | $19,902.00 (+1.73%) | $768,400 Land $384,800 Building $383,600 | $768,400 Land $384,800 Building $383,600 |
| 2024 | $19,563.00 | ||
| 2023 | $768,400 Land $384,800 Building $383,600 | $768,400 Land $384,800 Building $383,600 | |
| 2022 | $19,002.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Cider Hill 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 | 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 38 Cider Hill 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 83% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 143 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 |
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