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Residential (General/Single)Residential
$1,928,568$439 / 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 86How 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 $1,415,000 on Mar 27, 2002

7 LOWER CROSS RD

SADDLE RIVER, NJ 07458
0
Baths
4,395 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.
6.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.

Valuation

$1.9M
$1.7M low$2.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,415,000 · Mar 27, 2002
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.$1,928,568
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,542,854

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$19,946 (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.$1,869,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,196,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$673,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,869,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,869,400

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.109 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
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.

E
Wandell SchoolA
Elementary · Grades PK–5 · 1.1 mi
H
Northern Highlands Regional High SchoolA+
High · Grades 9–12 · 2.6 mi
M
Smith Middle SchoolB+
Middle · Grades 6–8 · 4.3 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%

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

7 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 96% of homes in Bergen County
  • Bigger than 96% of homes in Bergen County
  • Among the largest lots in Saddle River 07458
  • Among the oldest 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$5.1M

This home is worth more than 65% 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$1,928,568
CheaperTypical $1,531,617Pricier

Pricier than 65% of homes nearby

Price per ft²$439
CheaperTypical $450Pricier

Pricier than 44% of homes nearby

Living area4,395 ft²
SmallerTypical 3,698 ft²Bigger

Bigger than 63% of homes nearby

Lot size6.13 ac
SmallerTypical 0.91 acBigger

Bigger than almost all homes nearby

Year built1890
OlderTypical 1973Newer

Older than almost all homes nearby

How 7 Lower Cross Rd ranks against every home in each area.
MeasureThis homeSaddle River 07458Bergen County
Estimated valuepricier than$1,928,56865% of homes96% of homes
Price per ft²pricier than$43944% of homes54% of homes
Living areabigger than4,395 ft²63% of homes96% of homes
Lot sizebigger than6.13 acalmost all homesalmost all homes
Year builtnewer than1890almost no homesalmost no homes

About 7 Lower Cross Rd

How much is 7 Lower Cross Rd, Saddle River, NJ worth?

The TopHap Estimate for 7 Lower Cross Rd, Saddle River, NJ is $1,928,568 as of Jul 14, 2026. The likely range is $1,658,792 to $2,198,344. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 7 Lower Cross Rd, Saddle River, NJ last sell?

7 Lower Cross Rd, Saddle River, NJ last sold on Mar 27, 2002 for $1,415,000, according to the county's recorded deed.

When was 7 Lower Cross Rd, Saddle River, NJ built?

7 Lower Cross Rd, Saddle River, NJ was built in 1890, making it 136 years old.

What schools serve 7 Lower Cross Rd, Saddle River, NJ?

7 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 7 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 65% of them ($1,928,568 against a typical $1,531,617), its price per square foot is higher than 44% of them ($439 against a typical $450), it is bigger than 63% of them (4,395 ft² against a typical 3,698 ft²), its lot is bigger than almost all of them (6.13 ac against a typical 0.91 ac) and it is newer than almost none of them (1890 against a typical 1973). Measured against all of Bergen County, it is worth more than 96% 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 7 Lower Cross Rd, Saddle River, NJ?

The 2025 property tax bill for 7 Lower Cross Rd, Saddle River, NJ was $19,946. The county assessed it at $1,869,400.

Closest homes

More homes in Saddle River 07458

Assigned schools

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