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

Bergen County and Upper Saddle River Borough property record for 81 Locust Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	3,240 sqft · built 1978
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Sep 2025)
Tax Bill	$12,966 (2025)
Deeds & Mortgages	Sep 2025 Sale Nov 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`63-01221-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`63-01221-0000-00016`
Alternative APNs	`630122100016` `152600`

Interior

Building Area	3,240 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	22,216 sqft (0.51 acres)

Location & Zoning

Account Number	152600
Street Address	81 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	.510 AC
Legal Block	1221
Legal Lot Number	16
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2008
Census Tract	53201

Owner

81 Locust Ln is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	81 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 19, 2025	Deed, Transfer EXCLUSIVE LAND SERVICES INC
Nov 13, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on File
Deed Sale	Sep 19, 2025 · Amount on File
Prior Sale	Nov 13, 2018 · Amount on File
Deed Document Number	202564641
Deed Book / Page	5604 / 912
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 19, 2025
Property Address	81 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Document Number	0056040912
Book / Page	5604 / 912
Instrument Date	Sep 5, 2025
Instrument	2025064641
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	EXCLUSIVE LAND SERVICES INC

Transaction

Amount	Amount on Record
Tax	$21,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 13, 2018
Property Address	81 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Document Number	0031050273
Book / Page	3105 / 273
Instrument Date	Oct 26, 2018
Instrument	00018-080153
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231

Tax Assessment & Valuation

The 2025 property tax bill for 81 Locust Ln was $12,966, 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		$500,600 (-) Land $229,100 Building $271,500	$500,600 (-) Land $229,100 Building $271,500
2025	$12,966.00 (+1.73%)	$500,600 (-) Land $229,100 Building $271,500	$500,600 (-) Land $229,100 Building $271,500
2024	$12,745.00 (+2.67%)	$500,600 (-) Land $229,100 Building $271,500	$500,600 (-) Land $229,100 Building $271,500
2023	$12,414.00 (+0.28%)	$500,600 Land $229,100 Building $271,500	$500,600 Land $229,100 Building $271,500
2022	$12,379.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 81 Locust Ln 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	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

Wildfire risk around 81 Locust Ln 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 94% of the US · lower than 83% 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.

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 139 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Locust Ln

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