46 Lake St, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 46 Lake St, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,948 sqft · built 2006
Lot Size	0.913 acres (39,770 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,230,000 (Feb 2008)
Tax Bill	$22,505 (2025)
Flood Zone	Zone X (minimal risk)
APN	`63-01002-0000-00001-02`

Property Details

APN / Parcel Number

Primary APN	`63-01002-0000-00001-02`
Alternative APN	`63010020000000010002`

Interior

Building Area	3,948 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	39,770 sqft (0.913 acres)

Location & Zoning

Street Address	46 LAKE ST
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.913 AC
Legal Block	1002
Legal Lot Number	1.02
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	3
Census Block	3010
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough records, as of October 13, 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	46 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2008 · Amount on Record
Deed Sale	Feb 26, 2008 · Amount on Record
Prior Sale	Aug 16, 2006 · Amount on Record
Deed Document Number	200816929
Deed Book / Page	9498 / 275
Record Updated	Oct 29, 2026

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		$868,900 (-) Land $286,500 Building $582,400	$868,900 (-) Land $286,500 Building $582,400
2025	$22,505.00 (+1.73%)	$868,900 (-) Land $286,500 Building $582,400	$868,900 (-) Land $286,500 Building $582,400
2024	$22,122.00 (+2.96%)
2023		$868,900 Land $286,500 Building $582,400	$868,900 Land $286,500 Building $582,400
2022	$21,487.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	3 (2021–2026)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims

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 96% of the US · lower than 89% 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.

Internet Providers

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