Bergen County and Upper Saddle River Borough property record for 458 W Saddle River Rd, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,978 sqft · built 1967 |
| Lot Size | 0.82 acres (35,719 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $783,000 (Sep 2020) |
| Tax Bill | $14,398 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Apr 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00806-0000-00003 |
| Primary APN | 63-00806-0000-00003 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,978 sqft Living Area |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Construction Type | Frame |
| Lot Area | 35,719 sqft (0.82 acres) |
| Account Number | 070300 |
|---|---|
| Street Address | 458 W SADDLE RIVER RD |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .820 AC |
| Legal Subdivision | REDTER CO INC |
| Legal Block | 806 |
| Legal Lot Number | 3 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 53202 |
458 W Saddle River Rd is owned and occupied by two individuals who acquired it in March 2021.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| 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 16, 2023 | Deed of Trust, Mortgage · Line of Credit ANDREWS FCU |
| Apr 26, 2021 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Apr 28, 2021 | Intrafamily Transfer, Transfer CLEAR SKIES TITLE AGENCY |
| Jan 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 10, 2020 | Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MTG |
| Sep 2, 2020 | Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2020 · Amount on File |
| Deed Sale | Sep 2, 2020 · Amount on File |
| Prior Sale | Jun 11, 1998 · Amount on File |
| Deed Document Number | 202080172 |
| Deed Book / Page | 3689 / 486 |
| Last Transfer Date | Mar 23, 2021 |
| Transfer Doc | 0041091686 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|
| Document Number | 0049340969 |
|---|---|
| Date | Feb 16, 2023 |
| Book Page | 4934/969 |
| Instrument | 2023013188 |
| Name | ANDREWS FCU |
|---|---|
| Type | Credit Union |
| Address | SUITLAND, MD 20746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041051817 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 4105/1817 |
| Instrument | 21-065000 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 28, 2021 |
| Property Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| Document Number | 0041091686 |
| Book / Page | 4109 / 1686 |
| Instrument Date | Mar 23, 2021 |
| Instrument | 2021066114 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2023 |
| Title Company | CLEAR SKIES TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE |
| Name | Verified Name |
|---|
| Document Number | 0025150436 |
|---|---|
| Date | Jan 24, 2017 |
| Book Page | 02515/0436 |
| Instrument | 17-008091.01 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| Document Number | 0036890491 |
| Instrument Date | Jun 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 458 W SADDLE RIVER RD UPPER SADDLE RIVER NJ 074581616, UPPER SADDLE RIVER, NJ 07458-1616 |
| Document Number | 0036890491 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 003689/000491 |
| Instrument | 80173 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 2, 2020 |
| Property Address | 458 W SADDLE RIVER RD, UPPER SADDLE RIVER, NJ 07458-1616 |
| Document Number | 0036890486 |
| Book / Page | 3689 / 486 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 20-080172 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,124.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 741 DAKOTA TRL, 741, FRANKLIN LAKES, NJ 07417-1044 |
| Name | Verified Name |
|---|---|
| Address | 22 AVE AT PORT IMPERIAL, WEST NEW YORK, NJ 07093-7800 |
| Document Number | 20080173 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 20-080173 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 458 W Saddle River Rd was $14,398, 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 | $555,900 (-) Land $272,800 Building $283,100 | $555,900 (-) Land $272,800 Building $283,100 | |
| 2025 | $14,398.00 (+1.73%) | $555,900 Land $272,800 Building $283,100 | $555,900 Land $272,800 Building $283,100 |
| 2024 | $14,153.00 | ||
| 2023 | $555,900 Land $272,800 Building $283,100 | $555,900 Land $272,800 Building $283,100 | |
| 2022 | $13,747.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 458 W Saddle River Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2011.
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 |
| 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 458 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 94% of the US · lower than 85% 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: FCC Broadband Data Collection, based on 149 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 |
| AT&T Fixed Wireless | 100 / 20 |
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