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

Bergen County and Upper Saddle River Borough property record for 85 Locust Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	4,536 sqft · built 1994
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,750,000 (Nov 2025)
Tax Bill	$32,580 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-01221-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`63-01221-0000-00015`
Alternative APNs	`630122100015` `152400`

Interior

Stories	1 Story
Building Area	4,536 sqft Living Area
1st Floor Area	4,536 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	43,996 sqft

Location & Zoning

Account Number	152400
Street Address	85 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	1.010 AC
Legal Block	1221
Legal Lot Number	15
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	85 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed, Transfer · Conventional Mortgage UNITED NATIONS FCU
Jun 6, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 8, 2018	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Sep 5, 2000 · Amount on Record
Deed Document Number	202574427
Deed Book / Page	5635 / 1662
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 3, 2025
Property Address	85 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Document Number	0056351662
Book / Page	5635 / 1662
Instrument Date	Oct 24, 2025
Instrument	2025074427
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	GRANDVIEW TITLE AGENCY/BERGEN CN, GRANDVIEW TTL AGCY OF BERGEN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 KNOLLWOODS, OAKLAND, NJ 07436-2340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231

Mortgage

Document Number	2025074428
Date	Nov 3, 2025
Instrument	2025074428

Lender

Name	UNITED NATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10%
Index	SOFR Average 30-Day
Max Rate	10%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	85 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026300804
Date	Jun 6, 2017
Book Page	02630/0804
Instrument	17-043413

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 16, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	85 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231
Document Number	0029902405
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Jul 20, 2018
Title Company	ISGN RECORDING DEPT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 LOCUST LN UPPER SADDLE RIVER NJ 074582231, UPPER SADDLE RIVER, NJ 07458-2231

Mortgage

Document Number	0029902405
Date	Jul 9, 2018
Book Page	002990/002405
Instrument	48456

Lender

Name	TD BK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 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		$1,257,900 (-) Land $325,300 Building $932,600	$1,257,900 (-) Land $325,300 Building $932,600
2025	$32,580.00 (+1.73%)	$1,257,900 (-) Land $325,300 Building $932,600	$1,257,900 (-) Land $325,300 Building $932,600
2024	$32,026.00 (+2.95%)
2023		$1,257,900 Land $325,300 Building $932,600	$1,257,900 Land $325,300 Building $932,600
2022	$31,107.00

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 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

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