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Residential (General/Single)Residential
$1,091,297$375 / 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 89How 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 $410,000 on Jun 21, 1996

38 COTTAGE LN

UPPER SADDLE RIVER, NJ 07458
0
Baths
2,908 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.
0.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1.1M
$968K low$1.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$410,000 · Jun 21, 1996
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.$428,297
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$342,638
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.65%
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.$560,000
MORGAN STANLEY PRIVATE BANK NATL ASS · recorded Mar 1, 2012
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.$103,000
TD BK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$14,240 (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.$549,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$235,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$314,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$549,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$549,800

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.31 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
Lot (acres)The size of the land the home sits on, from county records.0.35
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
Emil A. Cavallini Middle SchoolA-
Middle · Grades 6–8 · 1.3 mi
E
Robert D. Reynolds Primary School
Elementary · Grades PK–2 · 1.5 mi
H
Northern Highlands Regional High SchoolA+
High · Grades 9–12 · 4.4 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.Owner occupied
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

38 Cottage Ln 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 84% of homes in Saddle River 07458
  • Costs less per square foot than 83% of homes in Saddle River 07458
  • Bigger than 84% of homes in Bergen County
  • Has a smaller lot than 87% of homes in Saddle River 07458
  • Newer than 80% 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 16% 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$1,091,297
CheaperTypical $1,531,617Pricier

Pricier than 16% of homes nearby

Price per ft²$375
CheaperTypical $450Pricier

Pricier than 17% of homes nearby

Living area2,908 ft²
SmallerTypical 3,714 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.35 ac
SmallerTypical 0.91 acBigger

Bigger than 13% of homes nearby

Year built1984
OlderTypical 1973Newer

Newer than 62% of homes nearby

How 38 Cottage Ln ranks against every home in each area.
MeasureThis homeSaddle River 07458Bergen County
Estimated valuepricier than$1,091,29716% of homes78% of homes
Price per ft²pricier than$37517% of homes26% of homes
Living areabigger than2,908 ft²31% of homes84% of homes
Lot sizebigger than0.35 ac13% of homes80% of homes
Year builtnewer than198462% of homes80% of homes

About 38 Cottage Ln

How much is 38 Cottage Ln, Upper Saddle River, NJ worth?

The TopHap Estimate for 38 Cottage Ln, Upper Saddle River, NJ is $1,091,297 as of Jul 14, 2026. The likely range is $968,439 to $1,214,155. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Cottage Ln, Upper Saddle River, NJ last sell?

38 Cottage Ln, Upper Saddle River, NJ last sold on Jun 21, 1996 for $410,000, according to the county's recorded deed.

How big is 38 Cottage Ln, Upper Saddle River, NJ?

38 Cottage Ln, Upper Saddle River, NJ has 2,908 square feet of living space and a 0.35-acre lot.

When was 38 Cottage Ln, Upper Saddle River, NJ built?

38 Cottage Ln, Upper Saddle River, NJ was built in 1984, making it 42 years old. The building has 2 stories.

What schools serve 38 Cottage Ln, Upper Saddle River, NJ?

38 Cottage Ln, Upper Saddle River, NJ is assigned to Emil A. Cavallini Middle School (middle), rated A-; Robert D. Reynolds Primary School (elementary); 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 38 Cottage Ln, Upper 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 16% of them ($1,091,297 against a typical $1,531,617), its price per square foot is higher than 17% of them ($375 against a typical $450), it is bigger than 31% of them (2,908 ft² against a typical 3,714 ft²), its lot is bigger than 13% of them (0.35 ac against a typical 0.91 ac) and it is newer than 62% of them (1984 against a typical 1973). Measured against all of Bergen County, it is worth more than 78% 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 38 Cottage Ln, Upper Saddle River, NJ?

The 2025 property tax bill for 38 Cottage Ln, Upper Saddle River, NJ was $14,240. The county assessed it at $549,800.

Closest homes

More homes in Upper Saddle River 07458

Assigned schools

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