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

Bergen County and Upper Saddle River Borough property record for 90 Locust Ln, Upper Saddle River, NJ 07458

Property Summary

Property Type	Exempt (Full or Partial)
Details	2,544 sqft · built 1964
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,320,000 (Sep 2025)
Tax Bill	$14,341 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`63-01223-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`63-01223-0000-00007`
Alternative APNs	`630122300007` `172500`

Interior

Stories	1 Story
Building Area	2,544 sqft Gross Area
1st Floor Area	2,544 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	42,253 sqft (0.97 acres)

Location & Zoning

Account Number	172500
Street Address	90 LOCUST LN
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2230
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R1
Legal Description	.970 AC DISABLED VETERAN
Legal Subdivision	DIMMIG ESTATES PT 1 SEC 2
Legal Block	1223
Legal Lot Number	7
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2007
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	90 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 23, 2025	Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FAMILY FIRST FUNDING LLC
Nov 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 8, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Dec 5, 2018 · Amount on Record
Deed Document Number	202565385
Deed Book / Page	5606 / 1742
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Apr 22, 2026
Property Address	90 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0000026702
Book / Page	5778 / 609
Instrument Date	Mar 30, 2026
Instrument	202626702
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

Mortgage

Document Number	0000026702,
Date	Apr 22, 2026
Book Page	5778/609
Instrument	202626702

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 23, 2025
Property Address	90 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0056061742
Book / Page	5606 / 1742
Instrument Date	Jul 10, 2025
Instrument	2025065385
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,647.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 DAWSON ROAD, BYFLEET XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230

Mortgage

Document Number	2025065386
Date	Sep 23, 2025
Instrument	2025065386

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2055

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	90 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033831040
Date	Oct 23, 2019
Book Page	3383/1040
Instrument	19-071032

Lender

Name	FAMILY FIRST FUNDING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 7, 2018
Property Address	90 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0031010674
Book / Page	003101 / 000674
Instrument Date	Nov 5, 2018
Instrument	79107
Transaction Type	Transfer
Record Updated	Nov 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 LOCUST LN UPPER SADDLE RIVER NJ 074582230, UPPER SADDLE RIVER, NJ 07458-2230

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 8, 2017
Property Address	90 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2230
Document Number	0025560843
Book / Page	002556 / 000843
Instrument Date	Mar 2, 2017
Transaction Type	Transfer
Record Updated	Apr 24, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 W 84TH ST #2 NEW YORK NY 100244235, 2, NEW YORK, NY 10024-4235

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		$553,700 (-) Land $323,800 Building $229,900	$553,700 (-) Land $323,800 Building $229,900
2025	$14,341.00 (+1.73%)	$553,700 (-) Land $323,800 Building $229,900	$553,700 (-) Land $323,800 Building $229,900
2024	$14,097.00 (+2.67%)	$553,700 (-) Land $323,800 Building $229,900	$553,700 (-) Land $323,800 Building $229,900
2023	$13,731.00 (+0.28%)	$553,700 (-) Land $323,800 Building $229,900	$553,700 (-) Land $323,800 Building $229,900
2022	$13,693.00 (+0.2%)	$553,700 Land $323,800 Building $229,900	$553,700 Land $323,800 Building $229,900
2021	$13,665.00

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	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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