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

Bergen County and Upper Saddle River Borough property record for 70 Locust Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,008 sqft · built 1987
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Sep 2022)
Tax Bill	$21,054 (2025)
Deeds & Mortgages	Sep 2022 Sale Sep 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`63-01223-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`63-01223-0000-00002`
Alternative APNs	`630122300002` `172000`

Interior

Stories	2 Stories
Building Area	3,008 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	37,462 sqft (0.86 acres)

Location & Zoning

Account Number	172000
Street Address	70 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	.860 AC
Legal Subdivision	DIMMIG ESTATES PT I SEC 2
Legal Block	1223
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2007
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	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Deed, Transfer FOUNDATION TITLE, FOUNDATION TITLE LLC
Sep 23, 2022	Intrafamily Transfer, Transfer FOUNDATION TITLE, FOUNDATION TITLE LLC
Aug 3, 2021	Deed of Trust, Mortgage IHC REALTY SERVICES INC
May 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITY BANK
Apr 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITY BK
Nov 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage FRONTME FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on Record
Deed Sale	Sep 23, 2022 · Amount on Record
Prior Sale	Apr 9, 2009 · Amount on Record
Deed Document Number	202293719
Deed Book / Page	4816 / 547
Prior Transfer Date	Nov 19, 1997
Prior Transfer Doc	0000148124
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 23, 2022
Property Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0048160547
Book / Page	4816 / 547
Instrument Date	Feb 18, 2022
Instrument	2022093719
Transaction Type	Transfer
Record Updated	Nov 2, 2023
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Sep 23, 2022
Property Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0048160540
Book / Page	4816 / 540
Instrument Date	Feb 18, 2022
Instrument	2022093718
Transaction Type	Transfer
Record Updated	Nov 2, 2023
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

Mortgage

Document Number	0043091860
Date	Aug 3, 2021
Book Page	4309/1860
Instrument	2021124754

Lender

Name	IHC REALTY SERVICES INC
Type	Non-Lending Institution
Address	FRESH MEADOWS, NY 11365

Agreement

Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032421224
Date	May 15, 2019
Book Page	3242/1224
Instrument	19-030107

Lender

Name	UNITY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0032421326
Instrument Date	Apr 30, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	OLD REPUBLIC NATIONAL INSURANCE COMPANY, OLD REPUBLIC NAT'L INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 LOCUST LN UPPER SADDLE RIVER NJ 074582230, UPPER SADDLE RIVER, NJ 07458-2230

Mortgage

Document Number	0032421326
Date	May 15, 2019
Book Page	003242/001326
Instrument	30115

Lender

Name	UNITY BK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	70 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0027961295
Book / Page	002796 / 001295
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	AMERICAN TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	30 N SPRUCE ST RAMSEY NJ 074461905, RAMSEY, NJ 07446-1905

Mortgage

Document Number	0027961295
Date	Nov 28, 2017
Book Page	002796/001295

Lender

Name	FRONTME FUNDING LLC
Address	ENGLEWOOD CLIFFS, NJ 07632

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		$812,900 (-) Land $319,400 Building $493,500	$812,900 (-) Land $319,400 Building $493,500
2025	$21,054.00 (+1.73%)	$812,900 (-) Land $319,400 Building $493,500	$812,900 (-) Land $319,400 Building $493,500
2024	$20,696.00 (+2.95%)
2023		$812,900 (-) Land $319,400 Building $493,500	$812,900 (-) Land $319,400 Building $493,500
2022	$20,103.00 (+0.2%)	$812,900 Land $319,400 Building $493,500	$812,900 Land $319,400 Building $493,500
2021	$20,062.00

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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