Bergen County and Upper Saddle River Borough property record for 59 Lake St, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 3,314 sqft · built 2004 |
| Lot Size | 0.901 acres (39,248 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $882,000 (Dec 2020) |
| Tax Bill | $19,987 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-00604-0000-00008-01 |
| Primary APN | 63-00604-0000-00008-01 |
|---|---|
| Alternative APN |
|
| Building Area | 3,314 sqft Living Area |
|---|
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 39,248 sqft (0.901 acres) |
| Street Address | 59 LAKE ST |
|---|---|
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .901 AC |
| Legal Subdivision | LAKE STREET ESTATES |
| Legal Block | 604 |
| Legal Lot Number | 8.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 53202 |
Source: Bergen County and Upper Saddle River Borough records, as of October 13, 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 | 59 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2026 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Dec 9, 2020 | Grant Deed, Transfer · Conventional Mortgage REALFI HM FNDG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2020 · Amount on Record |
| Deed Sale | Dec 9, 2020 · Amount on Record |
| Deed Document Number | 2020130920 |
| Deed Book / Page | 3858 / 1584 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 9, 2026 |
| Property Address | 59 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1813 |
| Document Number | 0000037986 |
| Book / Page | 5815 / 764 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 202637986 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 59 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1813 |
| Document Number | 0000037986, |
|---|---|
| Date | Jun 9, 2026 |
| Book Page | 5815/764 |
| Instrument | 202637986 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 18, 2036 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 9, 2020 |
| Property Address | 59 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1813 |
| Document Number | 0038581584 |
| Book / Page | 003858 / 001584 |
| Instrument Date | Oct 20, 2020 |
| Instrument | 130920 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2021 |
| Title Company | WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $882.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 59 LAKE ST UPPER SADDLE RIVER NJ 074581813, UPPER SADDLE RIVER, NJ 07458-1813 |
| Document Number | 38581589 |
|---|---|
| Date | Dec 9, 2020 |
| Book Page | 003858/001589 |
| Instrument | 130921 |
| Name | REALFI HM FNDG CORP |
|---|---|
| Address | WHITE PLAINS, NY 10604 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 8, 2050 |
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 | $771,700 (-) Land $276,000 Building $495,700 | $771,700 (-) Land $276,000 Building $495,700 | |
| 2025 | $19,987.00 (+1.73%) | $771,700 (-) Land $276,000 Building $495,700 | $771,700 (-) Land $276,000 Building $495,700 |
| 2024 | $19,647.00 (+2.95%) | ||
| 2023 | $771,700 Land $276,000 Building $495,700 | $771,700 Land $276,000 Building $495,700 | |
| 2022 | $19,084.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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