Bergen County and Upper Saddle River Borough property record for 97 Locust Ln, Upper Saddle River, NJ 07458
| Property Type | Single Family Home |
|---|---|
| Details | 4,738 sqft · built 1958 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,600,000 (Sep 2024) |
| Tax Bill | $20,852 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer May 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63-01221-0000-00012 |
| Primary APN | 63-01221-0000-00012 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,738 sqft Living Area |
| 1st Floor Area | 4,738 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 38,768 sqft (0.89 acres) |
| Account Number | 153300 |
|---|---|
| Street Address | 97 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 | .890 AC |
| Legal Subdivision | DIMMING ESTATES PT 2 SEC 2 |
| Legal Block | 1221 |
| Legal Lot Number | 12 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | UPPER SADDLE RIVER |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 53201 |
Source: Bergen County and Upper Saddle River Borough records · APN 63-01221-0000-00012
Assessment roll updated June 29, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 97 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 14, 2025 | Intrafamily Transfer, Transfer |
| May 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| May 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| May 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 12, 2024 · Amount on Record |
| Deed Sale | Sep 12, 2024 · Amount on Record |
| Prior Sale | Aug 31, 1995 · Amount on Record |
| Deed Document Number | 202454452 |
| Deed Book / Page | 5319 / 1514 |
| Last Transfer Date | Oct 27, 2025 |
| Transfer Doc | 0056450485 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 14, 2025 |
| Property Address | 97 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231 |
| Document Number | 0056450485 |
| Book / Page | 5645 / 485 |
| Instrument Date | Oct 27, 2025 |
| Instrument | 2025077225 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 97 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231 |
| Name | Verified Name |
|---|---|
| Address | 97 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 97 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0046791935 |
|---|---|
| Date | May 12, 2022 |
| Book Page | 4679/1935 |
| Instrument | 2022050405 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 97 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0032532468 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 3253/2468 |
| Instrument | 19-033553 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 97 LOCUST LN, UPPER SADDLE RIVER, NJ 07458-2231 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0032532478 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 3253/2478 |
| Instrument | 2019-033553.01 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Bergen County and Upper Saddle River Borough records · Assessment roll updated June 29, 2026 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $805,100 (-) Land $320,600 Building $484,500 | $805,100 (-) Land $320,600 Building $484,500 | |
| 2025 | $20,852.00 (+1.73%) | $805,100 (-) Land $320,600 Building $484,500 | $805,100 (-) Land $320,600 Building $484,500 |
| 2024 | $20,498.00 (+2.95%) | ||
| 2023 | $805,100 Land $320,600 Building $484,500 | $805,100 Land $320,600 Building $484,500 | |
| 2022 | $19,910.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| 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 at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
May also be available: T-Mobile USA.
Based on FCC filings for 139 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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