Bergen County and Upper Saddle River Borough property record for 44 Locust Ln, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,536 sqft · built 1948 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $655,000 (Dec 2018) |
| Tax Bill | $15,540 (2025) |
| Deeds & Mortgages | Nov 2019 Refinance Dec 2018 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01224-0000-00001 |
| Primary APN | 63-01224-0000-00001 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,536 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 39,204 sqft (0.9 acres) |
| Account Number | 151800 |
|---|---|
| Street Address | 44 LOCUST LN |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-2230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .900 AC |
| Legal Block | 1224 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2005 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 24 BORREGO DR, WOODLAND PARK, NJ 07424-2730 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Dec 14, 2018 | Trustee's Deed, Foreclosure · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Oct 17, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2018 · Amount on Record |
| Deed Sale | Dec 14, 2018 · Amount on Record |
| Deed Document Number | 201888042 |
| Deed Book / Page | 3131 / 1925 |
| Prior Transfer Date | Nov 16, 2018 |
| Prior Transfer Doc | 0031311925 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034201156 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 3420/1156 |
| Instrument | 19-081969 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Dec 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 14, 2018 |
| Property Address | 44 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230 |
| Document Number | 0031311925 |
| Book / Page | 3131 / 1925 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 18-088042 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 BORREGO DR, WOODLAND PARK, NJ 07424-2730 |
| Document Number | 0031311932 |
|---|---|
| Date | Dec 14, 2018 |
| Book Page | 3131/1932 |
| Instrument | 2018-088042.01 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 17, 2017 |
| Property Address | 44 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230 |
| Document Number | 0027540795 |
| Book / Page | 002754 / 000795 |
| Instrument Date | Sep 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 WELLMAN RD WILMINGTON VT 053639627, WILMINGTON, VT 05363-9627 |
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 | $600,000 (-) Land $321,000 Building $279,000 | $600,000 (-) Land $321,000 Building $279,000 | |
| 2025 | $15,540.00 (+1.73%) | $600,000 (-) Land $321,000 Building $279,000 | $600,000 (-) Land $321,000 Building $279,000 |
| 2024 | $15,276.00 (+2.95%) | ||
| 2023 | $600,000 Land $321,000 Building $279,000 | $600,000 Land $321,000 Building $279,000 | |
| 2022 | $14,838.00 |
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 96% of the US · lower than 89% 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 136 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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