85 Upper Saddle River Rd, Montvale, NJ 07645 Property Records

Bergen County and Montvale Borough property record for 85 Upper Saddle River Rd, Montvale, NJ 07645

Property Summary

Property Type	Single Family Home
Details	2,830 sqft · built 1968
Lot Size	1.51 acres (66,194 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,000 (Aug 1996)
Tax Bill	$14,258 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-00203-0000-00030`

Property Details

APN / Parcel Number

Primary APN	`36-00203-0000-00030`
Alternative APNs	`360020300030` `00000122`

Interior

Stories	1 Story
Building Area	2,830 sqft Living Area
1st Floor Area	2,830 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Lot Area	66,194 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	00000122
Street Address	85 UPPER SADDLE RIVER RD
City	MONTVALE
State	NJ
Zip	07645-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	66192 SF
Legal Block	203
Legal Lot Number	30
Jurisdiction	BERGEN NJ
Township / Civil Division	MONTVALE
Census Block Group	5
Census Block	5007
Census Tract	35100

Owner

Source: Bergen County and Montvale 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 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage LADERA LNDG
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LADERA LNDG
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage LADERA LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 1996 · Amount on Record
Deed Sale	Aug 15, 1996 · Amount on Record
Deed Book / Page	7903 / 183
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	85 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1121
Document Number	0039140053
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 UPPER SADDLE RIVER RD MONTVALE NJ 076451121, MONTVALE, NJ 07645-1121

Mortgage

Document Number	0039140053
Date	Jan 14, 2021
Book Page	003914/000053

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	85 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1121
Document Number	0035820431
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 UPPER SADDLE RIVER RD MONTVALE NJ 076451121, MONTVALE, NJ 07645-1121

Mortgage

Document Number	0035820431
Date	Apr 28, 2020
Book Page	003582/000431
Instrument	20043310

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	85 UPPER SADDLE RIVER RD, MONTVALE, NJ 07645-1121
Document Number	0033871694
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NAT'L LENDER SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 UPPER SADDLE RIVER RD MONTVALE NJ 076451121, MONTVALE, NJ 07645-1121

Mortgage

Document Number	0033871694
Date	Oct 25, 2019
Book Page	003387/001694
Instrument	72207

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Tax Assessment & Valuation

Source: Bergen County and Montvale Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Montvale Borough
Elementary School District	Montvale Borough School District (KG - 08)
Secondary School District	Pascack Valley Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$558,700 (-) Land $351,500 Building $207,200	$558,700 (-) Land $351,500 Building $207,200
2025	$14,258.00 (+1.47%)	$558,700 (-) Land $351,500 Building $207,200	$558,700 (-) Land $351,500 Building $207,200
2024	$14,051.00 (+1.78%)
2023		$558,700 Land $351,500 Building $207,200	$558,700 Land $351,500 Building $207,200
2022	$13,805.00

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	3 in force
Nearby Flood Claims	5 (1979–1985)
Most Recent Claim	Aug 1985 · tidal / storm surge

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 MONTVALE PD95 private · serves 654 people · EPA ID NJ0236001
Water Source	Purchased surface water
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 148 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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