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

Bergen County and Upper Saddle River Borough property record for 55 Locust Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	5,486 sqft · built 1999
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Aug 2001)
Tax Bill	$29,744 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-01217-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`63-01217-0000-00027`
Alternative APNs	`630121700027` `160700`

Interior

Stories	1 Story
Building Area	5,486 sqft Living Area
1st Floor Area	5,486 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	37,462 sqft (0.86 acres)

Location & Zoning

Account Number	160700
Street Address	55 LOCUST LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.860 AC
Legal Subdivision	HANSEN & REALTY CORP
Legal Block	1217
Legal Lot Number	27
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2000
Census Tract	53201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	55 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Deed of Trust, Mortgage · Line of Credit VAST BANK NA
Aug 2, 2018	Deed of Trust, Mortgage · Line of Credit VALLEY NAT'L BK
Apr 11, 2018	Loan Modification, Mortgage · Conventional Mortgage VALLEY NAT'L BK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2001 · Amount on Record
Deed Sale	Aug 15, 2001 · Amount on Record
Prior Sale	Nov 17, 1998 · Amount on Record
Deed Book / Page	8394 / 885
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	55 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2142
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2142

Mortgage

Document Number	0050760096
Date	Sep 7, 2023
Book Page	5076/96
Instrument	2023058534

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	55 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2142
Document Number	0030331531
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 LOCUST LN #UPPR UPPER SADDLE RIVER NJ 074582142, UPPER SADDLE RIVER, NJ 07458-2142

Mortgage

Document Number	0030331531
Date	Aug 21, 2018
Book Page	003033/001531
Instrument	60179

Lender

Name	VALLEY NAT'L BK
Address	WAYNE, NJ 07470

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BERGEN NJ
Property Address	55 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2142
Document Number	0029291160
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	May 24, 2018
Title Company	CT LIEN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 LOCUST LN UPPER SADDLE RIVER NJ 074582142, UPPER SADDLE RIVER, NJ 07458-2142

Mortgage

Document Number	0029291160
Date	May 2, 2018
Book Page	002929/001160
Instrument	30817

Lender

Name	VALLEY NAT'L BK MTG
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$1,148,400 (-) Land $319,400 Building $829,000	$1,148,400 (-) Land $319,400 Building $829,000
2025	$29,744.00 (+1.73%)	$1,148,400 (-) Land $319,400 Building $829,000	$1,148,400 (-) Land $319,400 Building $829,000
2024	$29,238.00 (+3.71%)
2023		$1,148,400 Land $319,400 Building $829,000	$1,148,400 Land $319,400 Building $829,000
2022	$28,192.00

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

Flood

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

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 99 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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