Bergen County and Upper Saddle River Borough property record for 44 Ridge Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,749 sqft · built 1954 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $830,000 (Jan 2011) |
| Tax Bill | $16,247 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01215-0000-00016 |
| Primary APN | 63-01215-0000-00016 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,749 sqft Living Area |
| 1st Floor Area | 2,749 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 41,818 sqft (0.96 acres) |
| Account Number | 165400 |
|---|---|
| Street Address | 44 RIDGE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-2138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .960 AC |
| Legal Subdivision | PEPPERIDGE HILL SEC #1 |
| Legal Block | 1215 |
| Legal Lot Number | 16 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2001 |
| 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 | 44 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage USALLIANCE FCU |
| Aug 14, 2020 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2011 · Amount on Record |
| Deed Sale | Jan 14, 2011 · Amount on Record |
| Prior Sale | Aug 31, 1994 · Amount on Record |
| Deed Document Number | 20116390040 |
| Deed Book / Page | 639 / 40 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2138 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | PRESTIGE TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0035281878 |
|---|---|
| Date | Mar 3, 2020 |
| Book Page | 3528/1878 |
| Instrument | 2020025616 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | 08124 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jan 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.37% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 RIDGE RD, UPPER SADDLE RIVER, NJ 07458-2138 |
| Document Number | 0037420570 |
| Instrument Date | Aug 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 44 RIDGE RD UPPER SADDLE RIVER NJ 074582138, UPPER SADDLE RIVER, NJ 07458-2138 |
| Document Number | 0037420570 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 003742/000570 |
| Instrument | 96367 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | CHELMSFORD, MA 01824 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
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 | $627,300 (-) Land $348,200 Building $279,100 | $627,300 (-) Land $348,200 Building $279,100 | |
| 2025 | $16,247.00 (+1.73%) | $627,300 (-) Land $348,200 Building $279,100 | $627,300 (-) Land $348,200 Building $279,100 |
| 2024 | $15,971.00 (+2.95%) | ||
| 2023 | $627,300 Land $348,200 Building $279,100 | $627,300 Land $348,200 Building $279,100 | |
| 2022 | $15,513.00 |
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 93% of the US · lower than 81% 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.
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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