54 Locust Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 54 Locust Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,622 sqft · built 1949
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$848,845 (Jul 2021)
Tax Bill	$14,735 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01224-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`63-01224-0000-00004`
Alternative APNs	`630122400004` `152900`

Interior

Stories	1 Story
Building Area	3,622 sqft Living Area
1st Floor Area	3,622 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Lot Area	40,075 sqft (0.92 acres)

Location & Zoning

Account Number	152900
Street Address	54 LOCUST LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.920 AC
Legal Block	1224
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2005
Census Tract	53201

Owner

54 Locust Ln is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Deed Document Number	2021108704
Deed Book / Page	4256 / 418
Record Updated	Sep 20, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 7, 2021
Property Address	54 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0042560418
Book / Page	4256 / 418
Instrument Date	May 8, 2021
Instrument	2021108704
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,724.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1224 REDMOND ROAD, 1224, MAHWAH, NJ

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

Mortgage

Document Number	0042560424
Date	Jul 7, 2021
Book Page	4256/424
Instrument	2021108705

Lender

Name	KEARNY BANK
Type	Bank
Address	FAIRFIELD, NJ 07004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 54 Locust Ln was $14,735, 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		$568,900 (-) Land $321,800 Building $247,100	$568,900 (-) Land $321,800 Building $247,100
2025	$14,735.00 (+1.73%)	$568,900 Land $321,800 Building $247,100	$568,900 Land $321,800 Building $247,100
2024	$14,484.00
2023		$568,900 Land $321,800 Building $247,100	$568,900 Land $321,800 Building $247,100
2022	$14,068.00

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

Flood

FEMA maps place 54 Locust Ln 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	8 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 54 Locust 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 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.

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 136 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
T-Mobile Fixed Wireless	100 / 20