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

Bergen County and Upper Saddle River Borough property record for 69 Locust Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	5,902 sqft · built 2017
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,125,000 (Jun 2017)
Tax Bill	$39,816 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-01221-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`63-01221-0000-00019`
Alternative APNs	`630122100019` `152800`

Interior

Stories	2 Stories
Building Area	5,902 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	42,689 sqft (0.98 acres)

Location & Zoning

Account Number	152800
Street Address	69 LOCUST LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.980 AC
Legal Block	1221
Legal Lot Number	19
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2008
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	69 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jun 29, 2017	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2017 · Amount on Record
Deed Sale	Jun 29, 2017 · Amount on Record
Prior Sale	Oct 15, 2014 · Amount on Record
Deed Document Number	201749783
Deed Book / Page	2654 / 154
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	69 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039340137
Date	Jan 28, 2021
Book Page	3934/137
Instrument	21-012469

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 29, 2017
Property Address	69 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Document Number	0026540154
Book / Page	02654 / 0154
Instrument Date	Jun 16, 2017
Instrument	17-049783
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 SUSSEX RD, 120, TOWNSHIP OF WASHINGTON, NJ 07676-4919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231

Mortgage

Document Number	0026540162
Date	Jun 29, 2017
Book Page	02654/0162
Instrument	17-049783.01

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$1,537,300 (-) Land $324,200 Building $1,213,100	$1,537,300 (-) Land $324,200 Building $1,213,100
2025	$39,816.00 (+1.73%)	$1,537,300 (-) Land $324,200 Building $1,213,100	$1,537,300 (-) Land $324,200 Building $1,213,100
2024	$39,139.00 (+3.48%)
2023		$1,537,300 Land $324,200 Building $1,213,100	$1,537,300 Land $324,200 Building $1,213,100
2022	$37,824.00

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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