Bergen County and Upper Saddle River Borough property record for 45 Hearthstone Ct, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | built 2021 |
| Lot Size | 0.032 acres (1,412 sqft) |
| Owner | Company Name on File |
| Last Sale | $958,871 (Jul 2023) |
| Tax Bill | $17,134 (2024) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Sep 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 63 00601-0000-00001-01-C047 |
| Primary APN | 63 00601-0000-00001-01-C047 |
|---|---|
| Alternative APN |
|
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Condo/Apartment |
| Lot Area | 1,412 sqft (0.032 acres) |
| Old Parcel Number | 630060100000000101C047 |
|---|---|
| Street Address | 45 HEARTHSTONE CT, 47 |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-1858 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | GROVE/UPPER SADDLE RIVER |
| Legal Block | 601 |
| Legal Lot Number | 1.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 53202 |
45 Hearthstone Ct is owned by a company that acquired it in January 2025.
Source: Bergen County and Upper Saddle River Borough records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 45 HEARTHSTONE CT, SADDLE RIVER, NJ 07458-1858 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 3, 2023 | Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK |
| Sep 9, 2021 | Deed, Transfer WESTMINSTER ABSTRACT COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2023 · Amount on File |
| Deed Sale | Jul 3, 2023 · Amount on File |
| Deed Document Number | 202343621 |
| Deed Book / Page | 5029 / 603 |
| Last Transfer Date | Jan 10, 2025 |
| Transfer Doc | 0000009137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 3, 2023 |
| Property Address | 45 HEARTHSTONE CT, UPPER SADDLE RIVER, NJ 07458-1858 |
| Document Number | 0050290603 |
| Book / Page | 5029 / 603 |
| Instrument Date | May 3, 2023 |
| Instrument | 2023043621 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2023 |
| Title Company | NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,099.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1140 VIRGINIA DR, FORT WASHINGTON, PA 19034-3204 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 45 HEARTHSTONE CT, UPPER SADDLE RIVER, NJ 07458-1858 |
| Document Number | 2023043622 |
|---|---|
| Date | Jul 3, 2023 |
| Instrument | 2023043622 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.65% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Monthly |
| Min Rate At Change | 3.95% |
| Max Rate At Change | 10.9% |
| Index | 1-Year T-Bill |
| Max Rate | 10.9% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 9, 2021 |
| Property Address | 45 HEARTHSTONE CT, UPPER SADDLE RIVER, NJ 07458-1858 |
| Document Number | 0043660338 |
| Book / Page | 4366 / 338 |
| Instrument Date | Aug 2, 2021 |
| Instrument | 2021142051 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2022 |
| Title Company | WESTMINSTER ABSTRACT COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $4,755.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 590 MADISON AVE # 13, 590, NEW YORK, NY 10022-2524 |
| Name | Verified Name |
|---|---|
| Address | 1140 VIRGINIA DR, FORT WASHINGTON, PA 19034-3204 |
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 | $673,000 (-) Land $148,000 Building $525,000 | $673,000 (-) Land $148,000 Building $525,000 | |
| 2025 | $673,000 Land $148,000 Building $525,000 | $673,000 Land $148,000 Building $525,000 | |
| 2024 | $17,134.00 | ||
| 2023 | $473,000 (+199.37%) Land $148,000 Building $325,000 | $473,000 (+199.37%) Land $148,000 Building $325,000 | |
| 2022 | $3,907.00 (-11.06%) | $158,000 Land $148,000 Building $10,000 | $158,000 Land $148,000 Building $10,000 |
| 2021 | $4,393.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 45 Hearthstone Ct in Zone X, an area of minimal flood risk.
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 | 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 45 Hearthstone Ct 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 99.1% of the US · lower than 97.3% 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 106 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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