9 Cottage Ln, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 9 Cottage Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	1,820 sqft · built 1952
Lot Size	0.32 acres (13,939 sqft)
Owner	Company Name on Record
Last Sale	$835,000 (Jan 2024)
Tax Bill	$10,363 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`63-00305-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`63-00305-0000-00013`
Alternative APNs	`630030500013` `029300`

Interior

Stories	2 Stories
Building Area	1,820 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Basement

Location & Zoning

Account Number	029300
Street Address	9 COTTAGE LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.320 AC
Legal Block	305
Legal Lot Number	13
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	1
Census Block	1000
Census Tract	53201

Owner

Source: Bergen County and Upper Saddle River Borough records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	9 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1305
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL LENDER LLC
Jan 17, 2024	Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC
Jul 6, 2021	Deed of Trust, Mortgage · Commercial Mortgage NVE BANK
Mar 25, 2019	Deed with Mortgage, Transfer · Conventional with PMI LOAN FUNDER LLC SERIES 6948

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2024 · Amount on Record
Deed Sale	Jan 17, 2024 · Amount on Record
Prior Sale	Mar 25, 2019 · Amount on Record
Deed Document Number	20243323
Deed Book / Page	5160 / 1215
Prior Transfer Date	May 3, 1999
Prior Transfer Doc	0000111229
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Jun 18, 2026
Property Address	9 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1305
Document Number	0000041033
Book / Page	5824 / 1856
Instrument Date	May 22, 2026
Instrument	202641033
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	MAIN STREET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	205 E 85TH ST, 5J, NEW YORK, NY 10028-3222

Mortgage

Document Number	0000041033,
Date	Jun 18, 2026
Book Page	5824/1856
Instrument	202641033

Lender

Name	COMMERCIAL LENDER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 17, 2024
Property Address	9 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1305
Document Number	0051601215
Book / Page	5160 / 1215
Instrument Date	Nov 6, 2023
Instrument	2024003323
Transaction Type	Transfer
Record Updated	Feb 28, 2024
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,676.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 W CENTURY RD STE 101, 101, PARAMUS, NJ 07652-1467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1305

Mortgage

Document Number	2024003324
Date	Jan 17, 2024
Instrument	2024003324

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	9 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1305
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 TICE BLVD, WOODCLIFF LAKE, NJ 07677-7654

Mortgage

Document Number	0042540015
Date	Jul 6, 2021
Book Page	4254/15
Instrument	2021107995

Lender

Name	NVE BANK
Type	Bank
Address	ENGLEWOOD, NJ 07631

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2019: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Mar 25, 2019
Property Address	9 COTTAGE LN, UPPER SADDLE RIVER, NJ 07458-1305
Document Number	0032050601
Book / Page	003205 / 000601
Instrument Date	Mar 15, 2019
Instrument	18539
Transaction Type	Transfer
Record Updated	Apr 8, 2019
Title Company	FIRST BERGEN TITLE AGENCY LLC, FIRST BERGEN TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	50 TICE BLVD WOODCLIFF LAKE NJ 076777654, WOODCLIFF LAKE, NJ 07677-7654

Mortgage

Document Number	32050606
Date	Mar 25, 2019
Book Page	003205/000606
Instrument	18539

Lender

Name	LOAN FUNDER LLC SERIES 6948
Address	645 MADISON AVE, NEW YORK, NY 10022-1010

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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		$400,100 (-) Land $232,000 Building $168,100	$400,100 (-) Land $232,000 Building $168,100
2025	$10,363.00 (+1.74%)	$400,100 (-) Land $232,000 Building $168,100	$400,100 (-) Land $232,000 Building $168,100
2024	$10,186.00 (+2.95%)
2023		$400,100 (-) Land $232,000 Building $168,100	$400,100 (-) Land $232,000 Building $168,100
2022	$9,894.00 (+0.2%)	$400,100 Land $232,000 Building $168,100	$400,100 Land $232,000 Building $168,100
2021	$9,874.00

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

Flood

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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 159 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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