Bergen County and Upper Saddle River Borough property record for 40 Oak Dr, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 6,304 sqft · built 2006 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,650,000 (Nov 2009) |
| Tax Bill | $32,375 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01209-0000-00001 |
| Primary APN | 63-01209-0000-00001 |
|---|---|
| Alternative APNs |
|
| Building Area | 6,304 sqft Living Area |
|---|
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 37,462 sqft (0.86 acres) |
| Account Number | 176800 |
|---|---|
| Street Address | 40 OAK DR |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-2133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .860 AC |
| Legal Subdivision | VALLEY VIEW ESTATES SEC 1 |
| Legal Block | 1209 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2011 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 40 OAK DR, UPPER SADDLE RIVER, NJ 07458-2133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2009 · Amount on Record |
| Deed Sale | Nov 24, 2009 · Amount on Record |
| Prior Sale | Aug 21, 2004 · Amount on Record |
| Deed Document Number | 20092981359 |
| Deed Book / Page | 298 / 1359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 40 OAK DR, UPPER SADDLE RIVER, NJ 07458-2133 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0024960360 |
|---|---|
| Date | Jan 6, 2017 |
| Book Page | 02496/0360 |
| Instrument | 17-002579 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 40 OAK DR, UPPER SADDLE RIVER, NJ 07458-2133 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040470013 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 4047/13 |
| Instrument | 2021046917 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.5% |
| Max Rate At Change | 4.5% |
| Index | Other |
| Max Rate | 7.5% |
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 | $1,250,000 (-) Land $343,700 Building $906,300 | $1,250,000 (-) Land $343,700 Building $906,300 | |
| 2025 | $32,375.00 (+1.73%) | $1,250,000 (-) Land $343,700 Building $906,300 | $1,250,000 (-) Land $343,700 Building $906,300 |
| 2024 | $31,825.00 (+2.95%) | ||
| 2023 | $1,250,000 Land $343,700 Building $906,300 | $1,250,000 Land $343,700 Building $906,300 | |
| 2022 | $30,912.00 |
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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