40 Union Ave, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 40 Union Ave, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	5,099 sqft · built 2023
Lot Size	1.13 acres (49,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$585,000 (Jan 2021)
Tax Bill	$37,392 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`63-01105-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`63-01105-0000-00002`
Alternative APNs	`630110500002` `133800`

Interior

Stories	1 Story
Building Area	5,099 sqft Living Area
1st Floor Area	5,099 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Frame
Lot Area	49,658 sqft

Location & Zoning

Account Number	133800
Street Address	40 UNION AVE
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.140 AC
Legal Block	1105
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	3
Census Block	3002
Census Tract	53201

Owner

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	2 Individual Names on Record
Mailing Address	40 UNION AVE, UPPER SADDLE RIVER, NJ 07458-2020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 29, 2021	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	202113216
Deed Book / Page	3936 / 1271
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	May 15, 2026
Property Address	40 UNION AVE, UPPER SADDLE RIVER, NJ 07458-2020
Document Number	0000032769
Book / Page	5798 / 769
Instrument Date	Apr 27, 2026
Instrument	202632769
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 UNION AVE, UPPER SADDLE RIVER, NJ 07458-2020

Mortgage

Document Number	0000032769,
Date	May 15, 2026
Book Page	5798/769
Instrument	202632769

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 30, 2051

Interest

Max Rate	-1%

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 29, 2021
Property Address	40 UNION AVE, UPPER SADDLE RIVER, NJ 07458-2020
Document Number	0039361271
Book / Page	003936 / 001271
Instrument Date	Dec 14, 2020
Instrument	13216
Transaction Type	Transfer
Record Updated	Mar 1, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$585.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 UNION AVE #UPPR UPPER SADDLE RIVER NJ 074582020, UPPER SADDLE RIVER, NJ 07458-2020

Tax Assessment & Valuation

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		$1,443,700 (-) Land $323,400 Building $1,120,300	$1,443,700 (-) Land $323,400 Building $1,120,300
2025	$37,392.00 (+1.73%)	$1,443,700 (+151.78%) Land $323,400 Building $1,120,300	$1,443,700 (+151.78%) Land $323,400 Building $1,120,300
2024	$36,756.00 (+358.19%)
2023		$573,400 Land $323,400 Building $250,000	$573,400 Land $323,400 Building $250,000
2022	$8,022.00

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

Flood

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
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 83% 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.

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.

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