Bergen County and Saddle River Borough property record for 45 W Saddle River Rd, Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 5,460 sqft · built 1947 |
| Lot Size | 2.6 acres (113,256 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $11,867 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 58-01802-0000-00018 |
| Primary APN | 58-01802-0000-00018 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 5,460 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Construction Type | Frame |
| Lot Area | 113,256 sqft |
| Parking Spaces | 3 Parking Spaces |
| Account Number | 086200 |
|---|---|
| Street Address | 45 W SADDLE RIVER RD |
| City | SADDLE RIVER |
| State | NJ |
| Zip | 07458-3016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 2.6AC (19,31-A) |
| Legal Block | 1802 |
| Legal Lot Number | 18 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 53100 |
45 W Saddle River Rd is owned and occupied by an individual who acquired it in September 2024.
Source: Bergen County and Saddle River Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 W SADDLE RIVER RD, SADDLE RIVER, NJ 07458-3016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Jan 11, 2022 | Intrafamily Transfer, Transfer OMEGA SETTLEMENT SERVICES, OMEGA SETTLEMENT SVCS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 9, 2024 |
| Transfer Doc | 0053361510 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 45 W SADDLE RIVER RD, SADDLE RIVER, NJ 07458-3016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45W SADDLE RIVER RD, SADDLE RIVER, NJ 07458-3016 |
| Document Number | 0057240151 |
|---|---|
| Date | Feb 12, 2026 |
| Book Page | 5724/151 |
| Instrument | 2026009822 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 11, 2022 |
| Property Address | 45 W SADDLE RIVER RD, SADDLE RIVER, NJ 07458-3016 |
| Document Number | 0045300582 |
| Book / Page | 4530 / 582 |
| Instrument Date | Dec 14, 2021 |
| Instrument | 2022004445 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2022 |
| Title Company | OMEGA SETTLEMENT SERVICES, OMEGA SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 W SADDLE RIVER RD, SADDLE RIVER, NJ 07458-3016 |
The 2025 property tax bill for 45 W Saddle River Rd was $11,867, up 3% from the year before.
Source: Bergen County and Saddle River Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Saddle River Borough |
| Unified School District | Saddle River Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,112,200 (-) Land $608,300 Building $503,900 | $1,112,200 (-) Land $608,300 Building $503,900 | |
| 2025 | $11,867.00 (+2.99%) Veteran's exemption | $1,112,200 Land $608,300 Building $503,900 | $1,112,200 Land $608,300 Building $503,900 |
| 2024 | $11,522.00 | ||
| 2023 | $1,112,200 Land $608,300 Building $503,900 | $1,112,200 Land $608,300 Building $503,900 | |
| 2022 | $10,805.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 W Saddle River 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 |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 4 (1980–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Feb 2022 · rainfall accumulation |
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 W Saddle River 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 95% of the US · lower than 87% 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 | SADDLE RIVER WATER UTILITY serves 600 people · EPA ID NJ0258001 |
|---|---|
| Water Source | Purchased surface water from VEOLIA WATER NEW JERSEY HACKENSACK |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 146 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 |
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