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

Bergen County and Upper Saddle River Borough property record for 60 Locust Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,848 sqft · built 1959
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,075,000 (Feb 2023)
Tax Bill	$15,436 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`63-01224-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`63-01224-0000-00006`
Alternative APNs	`630122400006` `171700`

Interior

Stories	1 Story
Building Area	2,848 sqft Living Area
1st Floor Area	2,848 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Frame
Lot Area	37,897 sqft (0.87 acres)

Location & Zoning

Account Number	171700
Street Address	60 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	.870 AC
Legal Subdivision	DIMMIG ESTATES SEC 2
Legal Block	1224
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2005
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	60 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage CITIBANK NA
Apr 16, 2021	Deed of Trust, Mortgage · Line of Credit COLUMBIA BANK
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2023 · Amount on Record
Deed Sale	Feb 16, 2023 · Amount on Record
Prior Sale	Jan 22, 1993 · Amount on Record
Deed Document Number	202313053
Deed Book / Page	4934 / 87
Record Updated	Sep 20, 2026

February 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 16, 2023
Property Address	60 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0049340087
Book / Page	4934 / 87
Instrument Date	Feb 9, 2023
Instrument	2023013053
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	MAIN STREET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	60 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

Mortgage

Document Number	2023013054
Date	Feb 16, 2023
Instrument	2023013054

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10%
Index	Other
Max Rate	10%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	60 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040821202
Date	Apr 16, 2021
Book Page	4082/1202
Instrument	2021057810

Lender

Name	COLUMBIA BANK
Type	Bank
Address	FAIR LAWN, NJ 07410

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	60 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038861467
Date	Dec 29, 2020
Book Page	3886/1467
Instrument	20-139774

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Nov 1, 2030

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	60 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0029471525
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 LOCUST LN UPPER SADDLE RIVER NJ 074582230, UPPER SADDLE RIVER, NJ 07458-2230

Mortgage

Document Number	0029471525
Date	May 22, 2018
Book Page	002947/001525
Instrument	36023

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2048

Interest

Rate Type	Adjustable Rate

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		$596,000 (-) Land $319,800 Building $276,200	$596,000 (-) Land $319,800 Building $276,200
2025	$15,436.00 (+1.73%)	$596,000 (-) Land $319,800 Building $276,200	$596,000 (-) Land $319,800 Building $276,200
2024	$15,174.00 (+2.95%)
2023		$596,000 Land $319,800 Building $276,200	$596,000 Land $319,800 Building $276,200
2022	$14,739.00

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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