Bergen County and Upper Saddle River Borough property record for 40 Winding Way, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,871 sqft · built 1965 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $874,000 (Dec 2006) |
| Tax Bill | $14,908 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00302-0000-00015 |
| Primary APN | 63-00302-0000-00015 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,871 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Construction Type | Frame |
| Lot Area | 43,996 sqft |
| Account Number | 034700 |
|---|---|
| Street Address | 40 WINDING WAY |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 1.010 AC |
| Legal Subdivision | FOX HILL SEC II |
| Legal Block | 302 |
| Legal Lot Number | 15 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 53201 |
40 Winding Way is owned and occupied by two individuals who bought it in December 2006.
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 WINDING WAY, UPPER SADDLE RIVER, NJ 07458-1328 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2006 · Amount on File |
| Deed Sale | Dec 15, 2006 · Amount on File |
| Prior Sale | May 8, 2002 · Amount on File |
| Deed Book / Page | 9212 / 351 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 40 WINDING WAY, UPPER SADDLE RIVER, NJ 07458-1328 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0040341371 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 4034/1371 |
| Instrument | 2021042806 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 40 Winding Way was $14,908, up 1.7% from the year before.
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 | $575,600 (-) Land $340,300 Building $235,300 | $575,600 (-) Land $340,300 Building $235,300 | |
| 2025 | $14,908.00 (+1.73%) | $575,600 Land $340,300 Building $235,300 | $575,600 Land $340,300 Building $235,300 |
| 2024 | $14,654.00 | ||
| 2023 | $575,600 Land $340,300 Building $235,300 | $575,600 Land $340,300 Building $235,300 | |
| 2022 | $14,234.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Winding Way 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 |
| Nearby Flood Policies | 7 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.
Wildfire risk around 40 Winding Way 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 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: FCC Broadband Data Collection, based on 167 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 |
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