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Residential (General/Single)Residential
$1,156,635$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 85How 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 $879,000 on Mar 7, 2006

89 UPPER SADDLE RIVER RD

MONTVALE, NJ 07645
0
Baths
2,958 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.
0.87 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.

Valuation

$1.2M
$986K low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$879,000 · Mar 7, 2006
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.$148,435
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$118,748
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.90%
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.$703,200
GMAC MORTGAGE CORP · recorded Mar 7, 2006
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.$305,000
WELLS FARGO BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$17,530 (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.$686,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$295,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$391,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$686,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$686,900

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.0.87
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.

M
Fieldstone Middle SchoolA
Middle · Grades 5–8 · 1.0 mi
H
Pascack Hills High SchoolB
High · Grades 9–12 · 1.3 mi
E
Memorial Elementary SchoolB
Elementary · Grades PK–4 · 2.2 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.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

89 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 81% of homes in Bergen County
  • Costs less per square foot than 68% of homes in Bergen County
  • Bigger than 85% of homes in Bergen County
  • Has a bigger lot than 92% of homes in Bergen County
  • Newer than 86% of homes in Bergen County

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 77% 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$1,156,635
CheaperTypical $889,384Pricier

Pricier than 77% of homes nearby

Price per ft²$391
CheaperTypical $399Pricier

Pricier than 45% of homes nearby

Living area2,958 ft²
SmallerTypical 2,221 ft²Bigger

Bigger than 74% of homes nearby

Lot size0.87 ac
SmallerTypical 0.29 acBigger

Bigger than 76% of homes nearby

Year built1991
OlderTypical 1967Newer

Newer than 70% of homes nearby

How 89 Upper Saddle River Rd ranks against every home in each area.
MeasureThis homeMontvale 07645Bergen County
Estimated valuepricier than$1,156,63577% of homes81% of homes
Price per ft²pricier than$39145% of homes32% of homes
Living areabigger than2,958 ft²74% of homes85% of homes
Lot sizebigger than0.87 ac76% of homes92% of homes
Year builtnewer than199170% of homes86% of homes

About 89 Upper Saddle River Rd

How much is 89 Upper Saddle River Rd, Montvale, NJ worth?

The TopHap Estimate for 89 Upper Saddle River Rd, Montvale, NJ is $1,156,635 as of Jul 14, 2026. The likely range is $985,530 to $1,327,740. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 89 Upper Saddle River Rd, Montvale, NJ last sell?

89 Upper Saddle River Rd, Montvale, NJ last sold on Mar 7, 2006 for $879,000, according to the county's recorded deed.

How big is 89 Upper Saddle River Rd, Montvale, NJ?

89 Upper Saddle River Rd, Montvale, NJ has 2,958 square feet of living space and a 0.87-acre lot.

When was 89 Upper Saddle River Rd, Montvale, NJ built?

89 Upper Saddle River Rd, Montvale, NJ was built in 1991, making it 35 years old.

What schools serve 89 Upper Saddle River Rd, Montvale, NJ?

89 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 89 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 77% of them ($1,156,635 against a typical $889,384), its price per square foot is higher than 45% of them ($391 against a typical $399), it is bigger than 74% of them (2,958 ft² against a typical 2,221 ft²), its lot is bigger than 76% of them (0.87 ac against a typical 0.29 ac) and it is newer than 70% of them (1991 against a typical 1967). Measured against all of Bergen County, it is worth more than 81% 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 89 Upper Saddle River Rd, Montvale, NJ?

The 2025 property tax bill for 89 Upper Saddle River Rd, Montvale, NJ was $17,530. The county assessed it at $686,900.

Closest homes

More homes in Montvale 07645

Assigned schools

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