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

Bergen County and Upper Saddle River Borough property record for 45 Clover Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,772 sqft · built 1970
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,000 (Jun 2012)
Tax Bill	$16,151 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-00703-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`63-00703-0000-00006`
Alternative APNs	`630070300006` `104196`

Interior

Stories	2 Stories
Building Area	2,772 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Lot Area	40,946 sqft (0.94 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	104196
Street Address	45 CLOVER LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.940 AC
Legal Subdivision	PINEBROOK ESTATES
Legal Block	703
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2011
Census Tract	53202

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	45 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 25, 2019	Deed of Trust, Mortgage · Balloon Mortgage MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2012 · Amount on Record
Deed Sale	Jun 12, 2012 · Amount on Record
Deed Document Number	201256262
Deed Book / Page	1065 / 1793
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	45 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1807
Transaction Type	Mortgage
Record Updated	May 6, 2021
Title Company	SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040340604
Date	Mar 24, 2021
Book Page	4034/604
Instrument	2021042689

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2046

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	45 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032752177
Date	Jun 25, 2019
Book Page	3275/2177
Instrument	19-039950

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

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		$623,600 (-) Land $342,600 Building $281,000	$623,600 (-) Land $342,600 Building $281,000
2025	$16,151.00 (+1.73%)	$623,600 (-) Land $342,600 Building $281,000	$623,600 (-) Land $342,600 Building $281,000
2024	$15,876.00 (+2.95%)
2023		$623,600 Land $342,600 Building $281,000	$623,600 Land $342,600 Building $281,000
2022	$15,421.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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	Direct 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 169 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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