48 Union Ave, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 48 Union Ave, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	4,213 sqft · built 1956
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on Record
Last Sale	$962,500 (Jun 2019)
Tax Bill	$21,505 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01105-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`63-01105-0000-00004`
Alternative APNs	`630110500004` `133600`

Interior

Stories	1 Story
Building Area	4,213 sqft Living Area
1st Floor Area	4,213 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	37,462 sqft (0.86 acres)

Location & Zoning

Account Number	133600
Street Address	48 UNION AVE
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.860 AC
Legal Block	1105
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	3
Census Block	3002
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	48 UNION AVE, UPPER SADDLE RIVER, NJ 07458-2020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 28, 2019	Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Mar 12, 2008 · Amount on Record
Deed Document Number	201941643
Deed Book / Page	3281 / 1188
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	48 UNION AVE, UPPER SADDLE RIVER, NJ 07458-2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038380067
Date	Nov 30, 2020
Book Page	3838/67
Instrument	20-125029

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 28, 2019
Property Address	48 UNION AVE, UPPER SADDLE RIVER, NJ 07458-2020
Document Number	0032811188
Book / Page	3281 / 1188
Instrument Date	May 10, 2019
Instrument	19-041643
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 UNION AVE, UPPER SADDLE RIVER, NJ 07458-2020

Mortgage

Document Number	1904164301
Date	Jun 28, 2019
Instrument	19-041643.01

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0032811188
Date	Jun 28, 2019
Book Page	3281/1188
Instrument	19-041643

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$830,300 (-) Land $379,400 Building $450,900	$830,300 (-) Land $379,400 Building $450,900
2025	$21,505.00 (+1.73%)	$830,300 (-) Land $379,400 Building $450,900	$830,300 (-) Land $379,400 Building $450,900
2024	$21,139.00 (+2.95%)
2023		$830,300 Land $379,400 Building $450,900	$830,300 Land $379,400 Building $450,900
2022	$20,533.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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