Bergen County and Upper Saddle River Borough property record for 45 Lake Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,250 sqft · built 1990 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,200,000 (Apr 2026) |
| Tax Bill | $17,286 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00809-0000-00017 |
| Primary APN | 63-00809-0000-00017 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,250 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 20,909 sqft (0.48 acres) |
| Account Number | 068500 |
|---|---|
| Street Address | 45 LAKE RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .480 AC |
| Legal Block | 809 |
| Legal Lot Number | 17 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 53202 |
45 Lake Rd is owned by a company that bought it in April 2026.
Source: Bergen County and Upper Saddle River Borough records, as of September 18, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 20 FAIRHAVEN DR, ALLENDALE, NJ 07401-1109 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2026 · Amount on File |
| Deed Sale | Apr 1, 2026 · Amount on File |
| Prior Sale | Aug 30, 1991 · Amount on File |
| Deed Document Number | 202621277 |
| Deed Book / Page | 5760 / 781 |
| Prior Transfer Date | Aug 30, 2024 |
| Prior Transfer Doc | 0053330450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 1, 2026 |
| Property Address | 45 LAKE RD, UPPER SADDLE RIVER, NJ 07458-1602 |
| Document Number | 0000021277 |
| Book / Page | 5760 / 781 |
| Instrument Date | Mar 4, 2026 |
| Instrument | 2026.21277 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $121,200.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 20 FAIRHAVEN DR, ALLENDALE, NJ 07401-1109 |
| Document Number | 0000021278, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 2026..21278 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000021279, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 5760/823 |
| Instrument | 2026.21279 |
| Amount | Amount on Record |
|---|
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 45 Lake Rd was $17,286, up 1.7% from the year before.
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 | $667,400 (-) Land $248,000 Building $419,400 | $667,400 (-) Land $248,000 Building $419,400 | |
| 2025 | $17,286.00 (+1.73%) | $667,400 Land $248,000 Building $419,400 | $667,400 Land $248,000 Building $419,400 |
| 2024 | $16,992.00 | ||
| 2023 | $667,400 Land $248,000 Building $419,400 | $667,400 Land $248,000 Building $419,400 | |
| 2022 | $16,504.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Lake Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 6 (2011–2024) |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
| Claims by Event |
|
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 Lake Rd 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 94% of the US · lower than 83% 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: FCC Broadband Data Collection, based on 162 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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