Bergen County and Upper Saddle River Borough property record for 4 Cottage Ln, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,040 sqft · built 1963 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Individual Name on File |
| Last Sale | $622,000 (Aug 2018) |
| Tax Bill | $13,388 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage Aug 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00306-0000-00002 |
| Primary APN | 63-00306-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,040 sqft Living Area |
| 1st Floor Area | 3,040 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 37,462 sqft (0.86 acres) |
| Account Number | 030800 |
|---|---|
| Street Address | 4 COTTAGE LN |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .860 AC |
| Legal Subdivision | VIEW IMPROV CO INC |
| Legal Block | 306 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 53201 |
4 Cottage Ln is owned and occupied by an individual who bought it in August 2018.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1306 |
| 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 |
|---|---|
| Nov 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NJ LENDERS |
| Aug 2, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2018 · Amount on File |
| Deed Sale | Aug 2, 2018 · Amount on File |
| Prior Sale | Dec 8, 1997 · Amount on File |
| Deed Document Number | 201818-055358 |
| Deed Book / Page | 3016 / 388 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 4 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1306 |
| Document Number | 0035110564 |
| Instrument Date | Nov 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2020 |
| Title Company | PRESTIGE TITLE AGENCY INC, PRESTIGE TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 4 COTTAGE LN UPPER SADDLE RIVER NJ 074581306, UPPER SADDLE RIVER, NJ 07458-1306 |
| Document Number | 0035110564 |
|---|---|
| Date | Feb 20, 2020 |
| Book Page | 003511/000564 |
| Instrument | 20019854 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 19, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 2, 2018 |
| Property Address | 4 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1306 |
| Document Number | 0030160388 |
| Book / Page | 3016 / 388 |
| Instrument Date | Jul 19, 2018 |
| Instrument | 00018-055358 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1306 |
The 2025 property tax bill for 4 Cottage Ln was $13,388, 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 | $516,900 (-) Land $329,400 Building $187,500 | $516,900 (-) Land $329,400 Building $187,500 | |
| 2025 | $13,388.00 (+1.73%) | $516,900 Land $329,400 Building $187,500 | $516,900 Land $329,400 Building $187,500 |
| 2024 | $13,160.00 | ||
| 2023 | $516,900 Land $329,400 Building $187,500 | $516,900 Land $329,400 Building $187,500 | |
| 2022 | $12,782.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Cottage Ln 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 4 Cottage 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 97% of the US · lower than 92% 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: FCC Broadband Data Collection, based on 159 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
5G (outdoors only) and 4G LTE
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