Bergen County and Upper Saddle River Borough property record for 88 Lake St, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 2,944 sqft · built 1910 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | Company Name on Record |
| Last Sale | $625,000 (Apr 2022) |
| Tax Bill | $10,813 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01005-0000-00002 |
| Primary APN | 63-01005-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,944 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Type | Basement |
| Account Number | 120700 |
|---|---|
| Street Address | 88 LAKE ST |
| City | UPPER SADDLE RIVER |
| State | NJ |
| Zip | 07458-1816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .940 AC |
| Legal Block | 1005 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 53201 |
Source: Bergen County and Upper Saddle River Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 88 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1816 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Apr 12, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 27, 2022 | Executor's Deed, Transfer · Conventional Mortgage TD BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2022 · Amount on Record |
| Deed Sale | Apr 27, 2022 · Amount on Record |
| Deed Document Number | 202245654 |
| Deed Book / Page | 4664 / 438 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 88 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1816 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0052120822 |
|---|---|
| Date | Apr 12, 2024 |
| Book Page | 5212/822 |
| Instrument | 2024020259 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 25, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 27, 2022 |
| Property Address | 88 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1816 |
| Document Number | 0046640438 |
| Book / Page | 4664 / 438 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 2022045654 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 344 CANTERWOOD LN, 344, GREAT FALLS, VA 22066-1126 |
| Name | Verified Name |
|---|---|
| Address | 88 LAKE ST, UPPER SADDLE RIVER, NJ 07458-1816 |
| Document Number | 2022045655 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 2022045655 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
Source: Bergen County and Upper Saddle River Borough assessment roll, as of June 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $417,500 (-) Land $277,600 Building $139,900 | $417,500 (-) Land $277,600 Building $139,900 | |
| 2025 | $10,813.00 (+1.73%) | $417,500 (-) Land $277,600 Building $139,900 | $417,500 (-) Land $277,600 Building $139,900 |
| 2024 | $10,629.00 (+6.31%) | ||
| 2023 | $417,500 Land $277,600 Building $139,900 | $417,500 Land $277,600 Building $139,900 | |
| 2022 | $9,998.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 3 (2021–2026) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Mar 2026 · rainfall accumulation |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 140 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Xfinity.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures