Skip to content
Skip to content
TopHapOpen in map
Residential (General/Single)Residential
$2,650,000$717 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,100,000 on Jan 31, 1995

11 LOWER CROSS RD

SADDLE RIVER, NJ 07458
0
Baths
3,697 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1901
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$2.7M
$2.4M low$2.9M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,100,000 · Jan 31, 1995

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$19,153 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,795,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,100,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$695,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,795,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,795,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.20 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyBERGEN
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Wandell SchoolA
Elementary · Grades PK–5 · 1.1 mi
H
Northern Highlands Regional High SchoolA+
High · Grades 9–12 · 2.7 mi
M
Smith Middle SchoolB+
Middle · Grades 6–8 · 4.4 mi

District: Ramsey Borough School District

Neighborhood · ZIP 07458These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.58
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.113
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.115

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.12,183
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,189 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$213,636
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$289,760
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

11 Lower Cross Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 98% of homes in Bergen County
  • Costs more per square foot than 98% of homes in Bergen County
  • Bigger than 93% of homes in Bergen County
  • Among the largest lots in Bergen County
  • Older than 98% of homes in Saddle River 07458

What homes are worth in Saddle River 07458

Each bar is how many homes fall in that price range. The marker is this home.

This home
$266K$5.2M

This home is worth more than 82% of homes in Saddle River 07458.

How it measures up in Saddle River 07458

The dot is this home. The mark in the middle is the typical home in Saddle River 07458.

Estimated value$2,650,000
CheaperTypical $1,540,231Pricier

Pricier than 82% of homes nearby

Price per ft²$717
CheaperTypical $450Pricier

Pricier than 97% of homes nearby

Living area3,697 ft²
SmallerTypical 3,677 ft²Bigger

Bigger than 50% of homes nearby

Lot size3 ac
SmallerTypical 0.91 acBigger

Bigger than 97% of homes nearby

Year built1901
OlderTypical 1973Newer

Newer than 2% of homes nearby

How 11 Lower Cross Rd ranks against every home in each area.
MeasureThis homeSaddle River 07458Bergen County
Estimated valuepricier than$2,650,00082% of homes98% of homes
Price per ft²pricier than$71797% of homes98% of homes
Living areabigger than3,697 ft²50% of homes93% of homes
Lot sizebigger than3 ac97% of homesalmost all homes
Year builtnewer than19012% of homes2% of homes

About 11 Lower Cross Rd

How much is 11 Lower Cross Rd, Saddle River, NJ worth?

The TopHap Estimate for 11 Lower Cross Rd, Saddle River, NJ is $2,650,000 as of Jul 14, 2026. The likely range is $2,431,830 to $2,868,170. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11 Lower Cross Rd, Saddle River, NJ last sell?

11 Lower Cross Rd, Saddle River, NJ last sold on Jan 31, 1995 for $1,100,000, according to the county's recorded deed.

When was 11 Lower Cross Rd, Saddle River, NJ built?

11 Lower Cross Rd, Saddle River, NJ was built in 1901, making it 125 years old. The building has 2 stories.

What schools serve 11 Lower Cross Rd, Saddle River, NJ?

11 Lower Cross Rd, Saddle River, NJ is assigned to Wandell School (elementary), rated A; Northern Highlands Regional High School (high), rated A+; Smith Middle School (middle), rated B+. All sit in Ramsey Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11 Lower Cross Rd, Saddle River, NJ compare to other homes in Saddle River 07458?

Among the 4,176 homes in Saddle River 07458, it is worth more than 82% of them ($2,650,000 against a typical $1,540,231), its price per square foot is higher than 97% of them ($717 against a typical $450), it is bigger than 50% of them (3,697 ft² against a typical 3,677 ft²), its lot is bigger than 97% of them (3 ac against a typical 0.91 ac) and it is newer than 2% of them (1901 against a typical 1973). Measured against all of Bergen County, it is worth more than 98% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 11 Lower Cross Rd, Saddle River, NJ?

The 2025 property tax bill for 11 Lower Cross Rd, Saddle River, NJ was $19,153. The county assessed it at $1,795,000.

More homes on Lower Cross Rd

Closest homes

More homes in Saddle River 07458

Assigned schools

Explore the area

See this home in context

Open 11 Lower Cross Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map