52 Clover Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 52 Clover Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,754 sqft · built 1968
Lot Size	0.87 acres (37,897 sqft)
Owner	Individual Name on File
Last Sale	$680,000 (Feb 2017)
Tax Bill	$15,087 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`63-00704-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`63-00704-0000-00026`
Alternative APNs	`630070400026` `104199`

Interior

Stories	2 Stories
Building Area	2,754 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	37,897 sqft (0.87 acres)

Location & Zoning

Account Number	104199
Street Address	52 CLOVER LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.870 AC
Legal Subdivision	PINEBROOK ESTATES
Legal Block	704
Legal Lot Number	26
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2011
Census Tract	53202

Owner

52 Clover Ln is owned and occupied by an individual who bought it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	52 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITY BANK
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage REAL EST MTG NTWK
May 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage BP REALTY LLC
Feb 28, 2017	Grant Deed, Transfer · Construction Mortgage MARJAN MANAFI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2017 · Amount on File
Deed Sale	Feb 28, 2017 · Amount on File
Deed Document Number	201718287
Deed Book / Page	2547 / 1903
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	52 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043050124
Date	Jul 30, 2021
Book Page	4305/124
Instrument	2021123175

Lender

Name	UNITY BANK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	52 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
Document Number	0028071745
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	52 CLOVER LN UPPER SADDLE RIVER NJ 074581808, UPPER SADDLE RIVER, NJ 07458-1808

Mortgage

Document Number	0028071745
Date	Dec 8, 2017
Book Page	002807/001745

Lender

Name	REAL EST MTG NTWK
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	52 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
Document Number	0026111140
Book / Page	002611 / 001140
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	Jun 12, 2017
Title Company	SAFELAND TITLE COMPANY, SAFELAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 CLOVER LN UPPER SADDLE RIVER NJ 074581808, UPPER SADDLE RIVER, NJ 07458-1808

Mortgage

Document Number	0026111140
Date	May 16, 2017
Book Page	002611/001140

Lender

Name	BP REALTY LLC
Address	31 COUNTY RD, DEMAREST, NJ 07627-2503

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	May 15, 2019

Interest

Rate	12%

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 28, 2017
Property Address	52 CLOVER LN, UPPER SADDLE RIVER, NJ 07458-1808
Document Number	0025471903
Book / Page	002547 / 001903
Instrument Date	Feb 20, 2017
Transaction Type	Transfer
Record Updated	Apr 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 CLOVER LN UPPER SADDLE RIVER NJ 074581808, UPPER SADDLE RIVER, NJ 07458-1808

Mortgage

Document Number	25471912
Date	Feb 28, 2017
Book Page	002547/001912

Lender

Name	MARJAN MANAFI
Address	786 SASSAFRAS CT, MAHWAH, NJ 07430-3455

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 27, 2018

Interest

Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 52 Clover Ln was $15,087, up 1.7% from the year before.

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		$582,500 (-) Land $339,800 Building $242,700	$582,500 (-) Land $339,800 Building $242,700
2025	$15,087.00 (+1.73%)	$582,500 Land $339,800 Building $242,700	$582,500 Land $339,800 Building $242,700
2024	$14,830.00
2023		$582,500 Land $339,800 Building $242,700	$582,500 Land $339,800 Building $242,700
2022	$14,405.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 52 Clover Ln in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire risk around 52 Clover Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 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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