Bergen County and Upper Saddle River Borough property record for 39 Oak Dr, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,448 sqft · built 1965 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,175,000 (Sep 2022) |
| Tax Bill | $18,860 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage May 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01204-0000-00015 |
| Primary APN | 63-01204-0000-00015 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,448 sqft Living Area |
| 1st Floor Area | 3,448 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Construction Type | Frame |
| Lot Area | 37,462 sqft (0.86 acres) |
| Account Number | 174700 |
|---|---|
| Street Address | 39 OAK DR |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-2131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .860 AC |
| Legal Subdivision | BOROUGH/UPPER SADDLE RIVER SEC |
| Legal Block | 1204 |
| Legal Lot Number | 15 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 53201 |
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 | 39 OAK DR, UPPER SADDLE RIVER, NJ 07458-2131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2022 | Deed, Transfer · Conventional Mortgage PINNACLE MORTGAGE INC |
| May 23, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2022 · Amount on Record |
| Deed Sale | Sep 8, 2022 · Amount on Record |
| Prior Sale | Jul 12, 1993 · Amount on Record |
| Deed Document Number | 202289016 |
| Deed Book / Page | 4801 / 209 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 8, 2022 |
| Property Address | 39 OAK DR, UPPER SADDLE RIVER, NJ 07458-2131 |
| Document Number | 0048010209 |
| Book / Page | 4801 / 209 |
| Instrument Date | Jul 22, 2022 |
| Instrument | 2022089016 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,615.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 39 OAK DR, 39, UPPER SADDLE RIVER, NJ 07458-2131 |
| Name | Verified Name |
|---|---|
| Address | 39 OAK DR, UPPER SADDLE RIVER, NJ 07458-2131 |
| Document Number | 2022089017 |
|---|---|
| Date | Sep 8, 2022 |
| Instrument | 2022089017 |
| Name | PINNACLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 39 OAK DR, UPPER SADDLE RIVER, NJ 07458-2131 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 39 OAK DR, UPPER SADDLE RIVER, NJ 07458-2131 |
| Document Number | 0046890421 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 4689/421 |
| Instrument | 2022053183 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Apr 20, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $728,200 (-) Land $343,700 Building $384,500 | $728,200 (-) Land $343,700 Building $384,500 | |
| 2025 | $18,860.00 (+1.73%) | $728,200 (+0.79%) Land $343,700 Building $384,500 | $728,200 (+0.79%) Land $343,700 Building $384,500 |
| 2024 | $18,539.00 (+3.76%) | ||
| 2023 | $722,500 Land $343,700 Building $378,800 | $722,500 Land $343,700 Building $378,800 | |
| 2022 | $17,867.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
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 171 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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