Bergen County and Upper Saddle River Borough property record for 5 Ginkgo Ct, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,626 sqft · built 1983 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,210,000 (Aug 2013) |
| Tax Bill | $21,399 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01004-0000-00020 |
| Primary APN | 63-01004-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,626 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Construction Type | Frame |
| Lot Area | 37,897 sqft (0.87 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 5 GINKGO CT |
|---|---|
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .870 AC |
| Legal Block | 1004 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 53201 |
5 Ginkgo Ct is owned and occupied by two individuals who bought it in August 2013.
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 GINKGO CT, UPPER SADDLE RIVER, NJ 07458-1924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2013 · Amount on File |
| Deed Sale | Aug 21, 2013 · Amount on File |
| Prior Sale | Sep 6, 2012 |
| Deed Document Number | 201391115 |
| Deed Book / Page | 1492 / 1756 |
| Prior Transfer Date | Jan 29, 1999 |
| Prior Transfer Doc | 0000018331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 5 GINKGO CT, UPPER SADDLE RIVER, NJ 07458-1924 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2021 |
| Title Company | LA COMMONWEALTH TITLE, COMMONWEALTH TITLE |
| Name | Verified Name |
|---|
| Document Number | 0040591827 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 4059/1827 |
| Instrument | 2021050918 |
| Name | INVESTORS BANK |
|---|---|
| Type | Bank |
| Address | MILLBURN, NJ 07041 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Mar 1, 2036 |
The 2025 property tax bill for 5 Ginkgo Ct was $21,399, 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 | $826,200 (-) Land $359,800 Building $466,400 | $826,200 (-) Land $359,800 Building $466,400 | |
| 2025 | $21,399.00 (+1.73%) | $826,200 Land $359,800 Building $466,400 | $826,200 Land $359,800 Building $466,400 |
| 2024 | $21,035.00 | ||
| 2023 | $801,300 Land $359,800 Building $441,500 | $801,300 Land $359,800 Building $441,500 | |
| 2022 | $19,660.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Ginkgo Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2021.
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 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 |
|
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 5 Ginkgo Ct 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 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.
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 |
| 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.
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 |
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