Skip to content
Skip to content
TopHapOpen in map
Residential (General/Single)Residential
$1,035,472$391 / 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 90How 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 $699,000 on Jun 30, 2004

195 LAKE ST

SADDLE RIVER, NJ 07458
0
Baths
2,648 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.
0.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1967
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$1M
$932K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$699,000 · Jun 30, 2004
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$535,972
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$428,778
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.50%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$449,000
WACHOVIA MORTGAGE CO · P · recorded Jun 30, 2004
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,500
WACHOVIA BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,945 (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.$461,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$276,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$185,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$461,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$461,200

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.49 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.1 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
Lot (acres)The size of the land the home sits on, from county records.0.90
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
Robert D. Reynolds Primary School
Elementary · Grades PK–2 · 0.3 mi
M
Emil A. Cavallini Middle SchoolA-
Middle · Grades 6–8 · 0.3 mi
H
Northern Highlands Regional High SchoolA+
High · Grades 9–12 · 2.7 mi

District: Upper Saddle River 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

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

195 Lake St 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 less than 88% of homes in Saddle River 07458
  • Costs less per square foot than 78% of homes in Saddle River 07458
  • Bigger than 79% of homes in Bergen County
  • Has a bigger lot than 92% of homes in Bergen County
  • Newer than 70% of homes in Bergen County

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
$269K$5.2M

This home is worth more than 12% 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$1,035,472
CheaperTypical $1,531,617Pricier

Pricier than 12% of homes nearby

Price per ft²$391
CheaperTypical $450Pricier

Pricier than 22% of homes nearby

Living area2,648 ft²
SmallerTypical 3,714 ft²Bigger

Bigger than 24% of homes nearby

Lot size0.9 ac
SmallerTypical 0.91 acBigger

Bigger than 49% of homes nearby

Year built1967
OlderTypical 1973Newer

Newer than 39% of homes nearby

How 195 Lake St ranks against every home in each area.
MeasureThis homeSaddle River 07458Bergen County
Estimated valuepricier than$1,035,47212% of homes75% of homes
Price per ft²pricier than$39122% of homes32% of homes
Living areabigger than2,648 ft²24% of homes79% of homes
Lot sizebigger than0.9 ac49% of homes92% of homes
Year builtnewer than196739% of homes70% of homes

About 195 Lake St

How much is 195 Lake St, Saddle River, NJ worth?

The TopHap Estimate for 195 Lake St, Saddle River, NJ is $1,035,472 as of Jul 14, 2026. The likely range is $931,901 to $1,139,043. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 Lake St, Saddle River, NJ last sell?

195 Lake St, Saddle River, NJ last sold on Jun 30, 2004 for $699,000, according to the county's recorded deed.

How big is 195 Lake St, Saddle River, NJ?

195 Lake St, Saddle River, NJ has 2,648 square feet of living space and a 0.90-acre lot.

When was 195 Lake St, Saddle River, NJ built?

195 Lake St, Saddle River, NJ was built in 1967, making it 59 years old. The building has 1 story.

What schools serve 195 Lake St, Saddle River, NJ?

195 Lake St, Saddle River, NJ is assigned to Robert D. Reynolds Primary School (elementary); Emil A. Cavallini Middle School (middle), rated A-; Northern Highlands Regional High School (high), rated A+. All sit in Upper Saddle River Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 Lake St, 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 12% of them ($1,035,472 against a typical $1,531,617), its price per square foot is higher than 22% of them ($391 against a typical $450), it is bigger than 24% of them (2,648 ft² against a typical 3,714 ft²), its lot is bigger than 49% of them (0.9 ac against a typical 0.91 ac) and it is newer than 39% of them (1967 against a typical 1973). Measured against all of Bergen County, it is worth more than 75% 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 195 Lake St, Saddle River, NJ?

The 2025 property tax bill for 195 Lake St, Saddle River, NJ was $11,945. The county assessed it at $461,200.

Closest homes

More homes in Saddle River 07458

Assigned schools

Explore the area

See this home in context

Open 195 Lake St 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