4 Heather Ct, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 4 Heather Ct, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,069 sqft · built 1973
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$1,375,000 (Sep 2022)
Tax Bill	$20,733 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-00915-0000-00046`

Property Details

APN / Parcel Number

Primary APN	`63-00915-0000-00046`
Alternative APNs	`630091500046` `099130`

Interior

Stories	2 Stories
Building Area	3,069 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	37,462 sqft (0.86 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	099130
Street Address	4 HEATHER CT
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.860 AC
Legal Subdivision	BERGEN CORP SEC 1
Legal Block	915
Legal Lot Number	46
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	1
Census Block	1008
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough records · APN 63-00915-0000-00046

Assessment roll updated June 29, 2026 · Last verified July 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 File
Mailing Address	4 HEATHER CT, UPPER SADDLE RIVER, NJ 07458-1721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage INVESTORS BANK
Sep 15, 2022	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 14, 2017	Deed, Transfer VESTED LAND SERVICES LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 15, 2022 · Amount on Record
Deed Sale	Sep 15, 2022 · Amount on Record
Prior Sale	Aug 14, 2017 · Amount on Record
Deed Document Number	202291205
Deed Book / Page	4808 / 467
Prior Transfer Date	Jan 16, 2007
Prior Transfer Doc	9249000055
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	4 HEATHER CT, UPPER SADDLE RIVER, NJ 07458-1721
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039850215
Date	Mar 01, 2021
Book Page	3985/215
Instrument	2021027761

Lender

Name	INVESTORS BANK
Type	Bank
Address	MILLBURN, NJ 07041

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 01, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	7.75%

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 15, 2022
Property Address	4 HEATHER CT, UPPER SADDLE RIVER, NJ 07458-1721
Document Number	0048080467
Book / Page	4808 / 467
Instrument Date	Jul 14, 2022
Instrument	2022091205
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	MAIN STREET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$27,862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 HEATHER CT, 4, UPPER SADDLE RIVER, NJ 07458-1721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 HEATHER CT, UPPER SADDLE RIVER, NJ 07458-1721

Mortgage

Document Number	2022091206
Date	Sep 15, 2022
Instrument	2022091206

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2052

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 14, 2017
Property Address	4 HEATHER CT, UPPER SADDLE RIVER, NJ 07458-1721
Document Number	0026932036
Book / Page	02693 / 2036
Instrument Date	Jul 24, 2017
Instrument	17-060738
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	VESTED LAND SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$9,459.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 HEATHER CT, 4, UPPER SADDLE RIVER, NJ 07458-1721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 HEATHER CT, UPPER SADDLE RIVER, NJ 07458-1721
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bergen County and Upper Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$800,500 (-) Land $409,400 Building $391,100	$800,500 (-) Land $409,400 Building $391,100
2025	$20,733.00 (+1.73%)	$800,500 (-) Land $409,400 Building $391,100	$800,500 (-) Land $409,400 Building $391,100
2024	$20,380.00 (+12.34%)
2023		$800,500 Land $409,400 Building $391,100	$800,500 Land $409,400 Building $391,100
2022	$18,141.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), as of December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030532011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 143 locations within half a mile of this property.

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