78 Rolling Ridge Rd, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 78 Rolling Ridge Rd, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	4,178 sqft · built 1959
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on File
Last Sale	$489,900 (Nov 1999)
Tax Bill	$25,341 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-00915-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`63-00915-0000-00027`
Alternative APNs	`630091500027` `097200`

Interior

Stories	2 Stories
Building Area	4,178 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	38,333 sqft (0.88 acres)

Location & Zoning

Account Number	097200
Street Address	78 ROLLING RIDGE RD
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.880 AC
Legal Subdivision	JEFFERSON HOMES INC SEC #3
Legal Block	915
Legal Lot Number	27
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	1
Census Block	1008
Census Tract	53201

Owner

78 Rolling Ridge Rd is owned and occupied by two individuals who acquired it in January 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	78 ROLLING RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1705
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage KEARNY BANK
Sep 19, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 1999 · Amount on File
Deed Sale	Nov 9, 1999 · Amount on File
Deed Document Number	1999186131
Deed Book / Page	8223 / 983
Last Transfer Date	Jan 16, 2014
Transfer Doc	0016292029
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	78 ROLLING RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1705
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	PALAIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025210081
Date	Jan 30, 2017
Book Page	02521/0081
Instrument	17-009896.01

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2046

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	78 ROLLING RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1705
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039500561
Date	Feb 9, 2021
Book Page	3950/561
Instrument	2021017348

Lender

Name	KEARNY BANK
Type	Bank
Address	FAIRFIELD, NJ 07004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	78 ROLLING RIDGE RD, UPPER SADDLE RIVER, NJ 07458-1705
Document Number	0033901106
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 ROLLING RIDGE RD UPPER SADDLE RIVER NJ 074581705, UPPER SADDLE RIVER, NJ 07458-1705

Mortgage

Document Number	0033901106
Date	Oct 29, 2019
Book Page	003390/001106
Instrument	73011

Lender

Name	CITIZENS BK/PA
Type	Bank
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 28, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 78 Rolling Ridge Rd was $25,341, up 1.7% from the year before.

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		$978,400 (-) Land $355,200 Building $623,200	$978,400 (-) Land $355,200 Building $623,200
2025	$25,341.00 (+1.73%)	$978,400 Land $355,200 Building $623,200	$978,400 Land $355,200 Building $623,200
2024	$24,910.00
2023		$978,400 Land $355,200 Building $623,200	$978,400 Land $355,200 Building $623,200
2022	$14,716.00

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

Flood

FEMA maps place 78 Rolling Ridge Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 78 Rolling Ridge Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

Cell Coverage

5G (outdoors only) and 4G LTE

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