Bergen County and Saddle River Borough property record for 38 Locust Ln, Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,726 sqft · built 1948 |
| Lot Size | 1 acre (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,615,000 (Mar 2012) |
| Tax Bill | $13,547 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 58-01103-0000-00005 |
| Primary APN | 58-01103-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,726 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Frame |
| Lot Area | 43,560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 006800 |
|---|---|
| Street Address | 38 LOCUST LN |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-2112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 1AC (1-A,1-F) |
| Legal Block | 1103 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | SADDLE RIVER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 53100 |
38 Locust Ln is owned and occupied by two individuals who bought it in March 2012.
Source: Bergen County and Saddle River Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 LOCUST LN, SADDLE RIVER, NJ 07458-2112 |
| 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 | Mar 19, 2012 · Amount on File |
| Deed Sale | Mar 19, 2012 · Amount on File |
| Prior Sale | May 11, 2009 · Amount on File |
| Deed Document Number | 20129871852 |
| Deed Book / Page | 987 / 1852 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 38 Locust Ln was $13,547, up 3% from the year before.
Source: Bergen County and Saddle River Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Saddle River Borough |
| Unified School District | Saddle River Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,269,600 (-) Land $455,000 Building $814,600 | $1,269,600 (-) Land $455,000 Building $814,600 | |
| 2025 | $13,547.00 (+3%) | $1,269,600 Land $455,000 Building $814,600 | $1,269,600 Land $455,000 Building $814,600 |
| 2024 | $13,153.00 | ||
| 2023 | $1,269,600 Land $455,000 Building $814,600 | $1,269,600 Land $455,000 Building $814,600 | |
| 2022 | $12,619.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Locust Ln in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 68 (1978–2021) |
| Claims Outside the SFHA | 6 of 68 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 Locust 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 93% of the US · lower than 81% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 136 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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