40 Hillcrest Dr, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 40 Hillcrest Dr, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	1,829 sqft · built 1961
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Jan 2022)
Tax Bill	$17,340 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`63-01110-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`63-01110-0000-00004`
Alternative APNs	`630111000004` `144400`

Interior

Stories	1 Story
Building Area	1,829 sqft Living Area
1st Floor Area	1,829 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	49,223 sqft

Location & Zoning

Account Number	144400
Street Address	40 HILLCREST DR
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.130 AC
Legal Subdivision	SKYLINE ESTATES SEC 2
Legal Block	1110
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	3
Census Block	3000
Census Tract	53201

Owner

40 Hillcrest Dr is owned and occupied by two individuals who bought it in January 2022.

Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 HILLCREST DR, UPPER SADDLE RIVER, NJ 07458-2004
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage GARDEN STATE HOME LOANS INC
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage MILLENIUM HOME MORTGAGE LLC
Jul 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TCF NATIONAL BANK
Jul 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MILLENIIUM HOME MORTGAGE
Jan 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIUM HOME MORTGAGE LLC
Jun 10, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2022 · Amount on File
Deed Sale	Jan 25, 2022 · Amount on File
Prior Sale	Feb 25, 2013 · Amount on File
Deed Document Number	202210375
Deed Book / Page	4551 / 677
Record Updated	Sep 20, 2026

January 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 25, 2022
Property Address	40 HILLCREST DR, UPPER SADDLE RIVER, NJ 07458-2004
Document Number	0045510677
Book / Page	4551 / 677
Instrument Date	Dec 9, 2021
Instrument	2022010375
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1321 UPLAND DR # 8812, 1321, HOUSTON, TX 77043-4718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 HILLCREST DR, UPPER SADDLE RIVER, NJ 07458-2004

Mortgage

Document Number	2022010376
Date	Jan 25, 2022
Instrument	2022010376

Lender

Name	GARDEN STATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	40 HILLCREST DR, UPPER SADDLE RIVER, NJ 07458-2004
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	RIDGE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044090580
Date	Oct 7, 2021
Book Page	4409/580
Instrument	2021155213

Lender

Name	MILLENIUM HOME MORTGAGE LLC
Type	Mortgage Company
Address	WESTFIELD, NJ 07090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	40 HILLCREST DR, UPPER SADDLE RIVER, NJ 07458-2004
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032942066
Date	Jul 15, 2019
Book Page	3294/2066
Instrument	2019-045421.01

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	40 HILLCREST DR, UPPER SADDLE RIVER, NJ 07458-2004
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032942048
Date	Jul 15, 2019
Book Page	3294/2048
Instrument	19-045421

Lender

Name	MILLENIIUM HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2039

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	40 HILLCREST DR, UPPER SADDLE RIVER, NJ 07458-2004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024990903
Date	Jan 10, 2017
Book Page	02499/0903
Instrument	17-003478

Lender

Name	MILLENNIUM HOME MORTGAGE LLC
Type	Mortgage Company
Address	WESTFIELD, NJ 07090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2037

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	40 HILLCREST DR, UPPER SADDLE RIVER, NJ 07458-2004
Document Number	0026670537
Book / Page	002667 / 000537
Instrument Date	Jun 10, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 HILLCREST DR UPPER SADDLE RIVER NJ 074582004, UPPER SADDLE RIVER, NJ 07458-2004

Mortgage

Document Number	0026670537
Date	Jul 17, 2017
Book Page	002667/000537

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 40 Hillcrest Dr was $17,340, up 1.7% from the year before.

Source: Bergen County and Upper Saddle River Borough assessment roll, as of June 29, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$669,500 (-) Land $428,300 Building $241,200	$669,500 (-) Land $428,300 Building $241,200
2025	$17,340.00 (+1.73%)	$669,500 Land $428,300 Building $241,200	$669,500 Land $428,300 Building $241,200
2024	$17,045.00
2023		$669,500 Land $428,300 Building $241,200	$669,500 Land $428,300 Building $241,200
2022	$16,744.00

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

Flood

FEMA maps place 40 Hillcrest Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	3 (2021–2026)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims

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

Wildfire risk around 40 Hillcrest Dr 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 95% of the US · lower than 87% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Hillcrest Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures