Bergen County and Upper Saddle River Borough property record for 48 Winding Way, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,548 sqft · built 1965 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $685,000 (Feb 2017) |
| Tax Bill | $14,343 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 63-00302-0000-00017 |
| Primary APN | 63-00302-0000-00017 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,548 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 37,897 sqft (0.87 acres) |
| Account Number | 034900 |
|---|---|
| Street Address | 48 WINDING WAY |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .870 AC |
| Legal Subdivision | FOX HILL SEC II |
| Legal Block | 302 |
| Legal Lot Number | 17 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 53201 |
48 Winding Way is owned and occupied by two individuals who bought it in February 2017.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 WINDING WAY, UPPER SADDLE RIVER, NJ 07458-1328 |
| 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 |
|---|---|
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Feb 14, 2017 | Deed, Transfer · Conventional Mortgage CAPITAL ONE NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2017 · Amount on File |
| Deed Sale | Feb 14, 2017 · Amount on File |
| Prior Sale | Jul 28, 2004 · Amount on File |
| Deed Document Number | 201714491 |
| Deed Book / Page | 2535 / 982 |
| Prior Transfer Date | Oct 3, 1997 |
| Prior Transfer Doc | 0000128733 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 48 WINDING WAY, UPPER SADDLE RIVER, NJ 07458-1328 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0035811775 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 3581/1775 |
| Instrument | 20-043198 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 14, 2017 |
| Property Address | 48 WINDING WAY, UPPER SADDLE RIVER, NJ 07458-1328 |
| Document Number | 0025350982 |
| Book / Page | 02535 / 0982 |
| Instrument Date | Jan 31, 2017 |
| Instrument | 17-014491 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | TITLE INSURANCE COMMITMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,086.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 47 SPARROWBUSH RD, 47, UPPER SADDLE RIVER, NJ 07458-1420 |
| Name | Verified Name |
|---|---|
| Address | 48 WINDING WAY, UPPER SADDLE RIVER, NJ 07458-1328 |
| Document Number | 0025350987 |
|---|---|
| Date | Feb 14, 2017 |
| Book Page | 02535/0987 |
| Instrument | 17-014491.01 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Bank |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2047 |
The 2025 property tax bill for 48 Winding Way was $14,343, 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 | $553,800 (-) Land $334,800 Building $219,000 | $553,800 (-) Land $334,800 Building $219,000 | |
| 2025 | $14,343.00 (+1.73%) | $553,800 Land $334,800 Building $219,000 | $553,800 Land $334,800 Building $219,000 |
| 2024 | $14,099.00 | ||
| 2023 | $553,800 Land $334,800 Building $219,000 | $553,800 Land $334,800 Building $219,000 | |
| 2022 | $13,695.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Winding Way in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
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 48 Winding Way 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 93% of the US · lower than 81% 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 184 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 |
5G (outdoors only) and 4G LTE
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