Bergen County and Upper Saddle River Borough property record for 51 Lake St, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,500 sqft · built 2002 |
| Lot Size | 0.964 acres (41,992 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (Jun 2017) |
| Tax Bill | $19,394 (2025) |
| Deeds & Mortgages | Jul 2020 Line of Credit Jun 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00604-0000-00008-03 |
| Primary APN | 63-00604-0000-00008-03 |
|---|---|
| Alternative APN |
|
| Building Area | 3,500 sqft Living Area |
|---|
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 41,992 sqft (0.964 acres) |
| Street Address | 51 LAKE ST |
|---|---|
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .964 AC |
| Legal Block | 604 |
| Legal Lot Number | 8.03 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 53202 |
51 Lake St is owned and occupied by two individuals who bought it in June 2017.
Source: Bergen County and Upper Saddle River Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 51 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1813 |
| 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 |
|---|---|
| Jul 28, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jun 16, 2017 | Deed, Transfer FIDELITY NATIONAL TITLE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2017 · Amount on File |
| Deed Sale | Jun 16, 2017 · Amount on File |
| Prior Sale | Jun 10, 2002 · Amount on File |
| Deed Document Number | 201746054 |
| Deed Book / Page | 2640 / 196 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 51 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1813 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036530809 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 3653/809 |
| Instrument | 20-068927 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 16, 2017 |
| Property Address | 51 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1813 |
| Document Number | 0026400196 |
| Book / Page | 02640 / 0196 |
| Instrument Date | Jun 5, 2017 |
| Instrument | 17-046054 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | FIDELITY NATIONAL TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $6,775.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 81 DIMMIG RD, 81, UPPER SADDLE RIVER, NJ 07458-2204 |
| Name | Verified Name |
|---|---|
| Address | 51 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1813 |
The 2025 property tax bill for 51 Lake St was $19,394, 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 | $748,800 (-) Land $278,600 Building $470,200 | $748,800 (-) Land $278,600 Building $470,200 | |
| 2025 | $19,394.00 (+1.73%) | $748,800 Land $278,600 Building $470,200 | $748,800 Land $278,600 Building $470,200 |
| 2024 | $19,064.00 | ||
| 2023 | $748,800 Land $278,600 Building $470,200 | $748,800 Land $278,600 Building $470,200 | |
| 2022 | $18,517.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 Lake St in Zone X, an area of minimal flood risk.
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 |
| 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 51 Lake St 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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