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41 Clover Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 41 Clover Ln, Upper Saddle River, NJ 07458

Property Summary

Property TypeSingle Family Home
Details2,783 sqft · built 1969
Lot Size0.87 acres (37,897 sqft)
Owner2 Individual Names on Record
Last Sale$999,000 (Jan 2024)
Tax Bill$16,744 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Jan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN63-00703-0000-00009

Property Details

APN / Parcel Number

Primary APN63-00703-0000-00009
Alternative APNs
  • 630070300009
  • 109910

Interior

Stories2 Stories
Building Area2,783 sqft Living Area

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1969
Construction TypeFrame
Lot Area37,897 sqft (0.87 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Account Number109910
Street Address41 CLOVER LN
CityUPPER SADDLE RIVER
StateNJ
Zip07458-1807
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description.870 AC
Legal SubdivisionPINEBROOK ESTATES SEC TWO
Legal Block703
Legal Lot Number9
JurisdictionBERGEN NJ
Township / Civil DivisionUPPER SADDLE RIVER
Census Block Group2
Census Block2011
Census Tract53202

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 Record2 Individual Names on Record
Mailing Address41 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1807
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Feb 3, 2026Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 31, 2024Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 31, 2024 · Amount on Record
Deed SaleJan 31, 2024 · Amount on Record
Prior SaleAug 16, 2000 · Amount on Record
Deed Document Number20246493
Deed Book / Page5170 / 1906
Prior Transfer DateAug 14, 2000
Prior Transfer Doc0000101568
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address41 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1807
Transaction TypeMortgage
Record UpdatedFeb 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address41 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1807

Mortgage

Document Number0057160614
DateFeb 3, 2026
Book Page5716/614
Instrument2026007483
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2056

January 2024: Deed, Transfer

Document TypeDeed
JurisdictionBERGEN NJ
Recording DateJan 31, 2024
Property Address41 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1807
Document Number0051701906
Book / Page5170 / 1906
Instrument DateDec 6, 2023
Instrument2024006493
Transaction TypeTransfer
Record UpdatedMar 12, 2024
Title CompanyNOT AVAILABLE, IMPERIUM TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$9,563.40
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address45 PEACH HILL CT, RAMSEY, NJ 07446-1230

Transferred To (Grantee/Buyer)

NameVerified Name
Address41 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1807

Mortgage

Document Number2024006494
DateJan 31, 2024
Instrument2024006494
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityUpper Saddle River Borough
Secondary School DistrictNorthern Highlands Regional School District (09 - 12)
Elementary School DistrictUpper Saddle River Borough School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$646,500 (-) Land $339,800 Building $306,700$646,500 (-) Land $339,800 Building $306,700
2025$16,744.00 (+1.73%)$646,500 (-) Land $339,800 Building $306,700$646,500 (-) Land $339,800 Building $306,700
2024$16,460.00 (+2.96%)
2023$646,500 (-) Land $339,800 Building $306,700$646,500 (-) Land $339,800 Building $306,700
2022$15,987.00 (+0.2%)$646,500 Land $339,800 Building $306,700$646,500 Land $339,800 Building $306,700
2021$15,955.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 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

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

Wildfire RiskLow
lower than 93% of the US · lower than 81% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: AT&T, Xfinity.

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