Bergen County and Upper Saddle River Borough property record for 40 Echo Ridge Rd, Upper Saddle River, NJ 07458 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4,243 sqft · built 2016 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $680,000 (Oct 2013) |
| Tax Bill | $27,690 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Sep 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00916-0000-00010 |
| Primary APN | 63-00916-0000-00010 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,243 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Lot Area | 37,462 sqft (0.86 acres) |
| Account Number | 093000 |
|---|---|
| Street Address | 40 ECHO RIDGE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .860 AC |
| Legal Subdivision | JEFFERSON HOMES INC SEC #3 |
| Legal Block | 916 |
| Legal Lot Number | 10 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 53201 |
Source: Bergen County and Upper Saddle River Borough records · APN 63-00916-0000-00010
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 | 40 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 15, 2023 | Deed of Trust, Mortgage · Conventional Mortgage QUONTIC BANK FSB |
| Sep 18, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage METRO CITY BANK |
| Jun 06, 2022 | Deed of Trust, Mortgage · Conventional Mortgage QUONTIC BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 03, 2013 · Amount on Record |
| Deed Sale | Oct 03, 2013 · Amount on Record |
| Deed Document Number | 2013106017 |
| Deed Book / Page | 1531 / 2298 |
| Last Transfer Date | Sep 08, 2023 |
| Transfer Doc | 0000061273 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 40 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0049940446 |
|---|---|
| Date | May 15, 2023 |
| Book Page | 4994/446 |
| Instrument | 2023032493 |
| Name | QUONTIC BANK FSB |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Apr 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 18, 2023 |
| Property Address | 40 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Document Number | 0050841043 |
| Book / Page | 5084 / 1043 |
| Instrument Date | Jun 08, 2023 |
| Instrument | 2023061273 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2023 |
| Title Company | INVESTMENT TITLE LLC, INVESTMENT TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Name | Verified Name |
|---|---|
| Address | 40 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Document Number | 2023061274 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 2023061274 |
| Name | METRO CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Oct 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 7% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Margin | 7 |
| Max Rate | 13.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 40 ECHO RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1312 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0047020169 |
|---|---|
| Date | Jun 06, 2022 |
| Book Page | 4702/169 |
| Instrument | 2022057557 |
| Name | QUONTIC BANK FSB |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Apr 01, 2052 |
Source: Bergen County and Upper Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified July 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) |
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 | $1,069,100 (-) Land $354,400 Building $714,700 | $1,069,100 (-) Land $354,400 Building $714,700 | |
| 2025 | $27,690.00 (+1.73%) | $1,069,100 (-) Land $354,400 Building $714,700 | $1,069,100 (-) Land $354,400 Building $714,700 |
| 2024 | $27,219.00 (+3.72%) | ||
| 2023 | $1,069,100 (+0.74%) Land $354,400 Building $714,700 | $1,069,100 (+0.74%) Land $354,400 Building $714,700 | |
| 2022 | $26,243.00 (+0.2%) | $1,061,200 Land $354,400 Building $706,800 | $1,061,200 Land $354,400 Building $706,800 |
| 2021 | $26,190.00 |
Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030532011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 7 in force |
| Wildfire Risk | Low above 7% of the US · above 18% of New Jersey |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 165 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Optimum Communications | Fiber | 8,000 / 8,000 |
| Verizon | Fiber | 2,300 / 2,300 |
| Optimum Communications | Cable | 940 / 35 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures