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Residential (General/Single)Residential
$1,146,499$392 / 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 88How 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

86 UPPER SADDLE RIVER RD

MONTVALE, NJ 07645
0
Baths
2,926 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.
0.94 ac
Lot SizeThe size of the land the home sits on, from county records.
1933
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$1M low$1.3M high
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.$538,499
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$430,799
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.57%
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.$608,000
ROCKET MORTGAGE LLC · recorded Sep 22, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$16,287 (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.$638,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$320,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$318,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$638,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$638,200

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.0.94
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(3)

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.

M
Fieldstone Middle SchoolA
Middle · Grades 5–8 · 1.0 mi
H
Pascack Hills High SchoolB
High · Grades 9–12 · 1.2 mi
E
Memorial Elementary SchoolB
Elementary · Grades PK–4 · 2.1 mi

District: Montvale Borough School District

Neighborhood · ZIP 07645These 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.44
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.117

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.8,495
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,132 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$169,704
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$198,340
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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

86 Upper Saddle River 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 80% of homes in Bergen County
  • Costs less per square foot than 67% of homes in Bergen County
  • Bigger than 84% of homes in Bergen County
  • Has a bigger lot than 93% of homes in Bergen County
  • Older than 91% of homes in Montvale 07645

What homes are worth in Montvale 07645

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

This home
$324K$1.9M

This home is worth more than 76% of homes in Montvale 07645.

How it measures up in Montvale 07645

The dot is this home. The mark in the middle is the typical home in Montvale 07645.

Estimated value$1,146,499
CheaperTypical $889,384Pricier

Pricier than 76% of homes nearby

Price per ft²$392
CheaperTypical $399Pricier

Pricier than 45% of homes nearby

Living area2,926 ft²
SmallerTypical 2,221 ft²Bigger

Bigger than 73% of homes nearby

Lot size0.94 ac
SmallerTypical 0.29 acBigger

Bigger than 84% of homes nearby

Year built1933
OlderTypical 1967Newer

Newer than 9% of homes nearby

How 86 Upper Saddle River Rd ranks against every home in each area.
MeasureThis homeMontvale 07645Bergen County
Estimated valuepricier than$1,146,49976% of homes80% of homes
Price per ft²pricier than$39245% of homes33% of homes
Living areabigger than2,926 ft²73% of homes84% of homes
Lot sizebigger than0.94 ac84% of homes93% of homes
Year builtnewer than19339% of homes23% of homes

About 86 Upper Saddle River Rd

How much is 86 Upper Saddle River Rd, Montvale, NJ worth?

The TopHap Estimate for 86 Upper Saddle River Rd, Montvale, NJ is $1,146,499 as of Jul 14, 2026. The likely range is $1,008,407 to $1,284,591. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 86 Upper Saddle River Rd, Montvale, NJ last sell?

86 Upper Saddle River Rd, Montvale, NJ last sold on Nov 14, 2000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 86 Upper Saddle River Rd, Montvale, NJ?

86 Upper Saddle River Rd, Montvale, NJ has 2,926 square feet of living space and a 0.94-acre lot.

When was 86 Upper Saddle River Rd, Montvale, NJ built?

86 Upper Saddle River Rd, Montvale, NJ was built in 1933, making it 93 years old. The building has 1 story.

What schools serve 86 Upper Saddle River Rd, Montvale, NJ?

86 Upper Saddle River Rd, Montvale, NJ is assigned to Fieldstone Middle School (middle), rated A; Pascack Hills High School (high), rated B; Memorial Elementary School (elementary), rated B. All sit in Montvale Borough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 86 Upper Saddle River Rd, Montvale, NJ compare to other homes in Montvale 07645?

Among the 3,009 homes in Montvale 07645, it is worth more than 76% of them ($1,146,499 against a typical $889,384), its price per square foot is higher than 45% of them ($392 against a typical $399), it is bigger than 73% of them (2,926 ft² against a typical 2,221 ft²), its lot is bigger than 84% of them (0.94 ac against a typical 0.29 ac) and it is newer than 9% of them (1933 against a typical 1967). Measured against all of Bergen County, it is worth more than 80% 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 86 Upper Saddle River Rd, Montvale, NJ?

The 2025 property tax bill for 86 Upper Saddle River Rd, Montvale, NJ was $16,287. The county assessed it at $638,200.

Closest homes

More homes in Montvale 07645

Assigned schools

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