97 Oak Dr, Upper Saddle River (Saddle River), NJ 07458 Property Records

Bergen County and Upper Saddle River Borough property record for 97 Oak Dr, Upper Saddle River, NJ 07458

Property Summary

Property Type	Single Family Home
Details	2,508 sqft · built 1967
Lot Size	1.23 acres (54,014 sqft)
Owner	Individual Name on Record
Last Sale	$755,000 (Jun 2014)
Tax Bill	$15,457 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`63-01206-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`63-01206-0000-00002`
Alternative APNs	`630120600002` `179506`

Interior

Stories	1 Story
Building Area	2,508 sqft Living Area
1st Floor Area	2,508 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	54,014 sqft

Location & Zoning

Account Number	179506
Street Address	97 OAK DR
City	UPPER SADDLE RIVER
State	NJ
Zip	07458-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.240 AC
Legal Subdivision	WEST WIND SEC 2
Legal Block	1206
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	UPPER SADDLE RIVER
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Mailing Address	97 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK
Jul 13, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jun 9, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2014 · Amount on Record
Deed Sale	Jun 20, 2014 · Amount on Record
Deed Document Number	201439927
Deed Book / Page	1692 / 222
Last Transfer Date	May 31, 2017
Transfer Doc	0026340775
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Jul 30, 2026
Property Address	97 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214
Document Number	0000052617
Book / Page	5862 / 1183
Instrument Date	Jul 1, 2026
Instrument	202652617
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214

Mortgage

Document Number	0000052617,
Date	Jul 30, 2026
Book Page	5862/1183
Instrument	202652617

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 7, 2046

Interest

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	97 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214
Document Number	0027581212
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 OAK DR UPPER SADDLE RIVER NJ 074582214, UPPER SADDLE RIVER, NJ 07458-2214

Mortgage

Document Number	0027581212
Date	Oct 19, 2017
Book Page	002758/001212

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	97 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214
Document Number	0026801891
Book / Page	002680 / 001891
Instrument Date	Jul 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 11, 2017
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97 OAK DR UPPER SADDLE RIVER NJ 074582214, UPPER SADDLE RIVER, NJ 07458-2214

Mortgage

Document Number	0026801891
Date	Aug 1, 2017
Book Page	002680/001891

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 9, 2017
Property Address	97 OAK DR, UPPER SADDLE RIVER, NJ 07458-2214
Document Number	0026340775
Book / Page	002634 / 000775
Instrument Date	May 31, 2017
Transaction Type	Transfer
Record Updated	Jul 12, 2017

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$596,800 (-) Land $338,200 Building $258,600	$596,800 (-) Land $338,200 Building $258,600
2025	$15,457.00 (+1.72%)	$596,800 (-) Land $338,200 Building $258,600	$596,800 (-) Land $338,200 Building $258,600
2024	$15,195.00 (+2.96%)
2023		$596,800 Land $338,200 Building $258,600	$596,800 Land $338,200 Building $258,600
2022	$14,758.00

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	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 85% 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 134 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

May also be available: AT&T, T-Mobile.

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