15 COBBLESTONE DR

Assessment

How the ratio works: New Jersey towns often assess below full market value. The average ratio (Director’s / Chapter 123) estimates what percent of true market value the town’s assessments represent. Implied equalized value ≈ assessed net ÷ (ratio ÷ 100). Example: assessed $187,600 at 55.89% ≈ $335,700 equalized. Tax bills still use assessed value × the general tax rate — not the equalized figure.

Change since the 2020 sale of $2,760,000: implied equalized value $3,892,326 is $1,132,326 above that sale. This is not an appraisal.

This class 2 — residential (four families or less) — net assessment sits above the town class-2 average of $796,937.

Building permits for 15 COBBLESTONE DR

The New Jersey construction-permit file lists 2 permits for 15 COBBLESTONE DR in Upper Saddle Riv Boro. 2 are still open in the state file. Permit 20230149, an alteration, was issued 22 Mar 2023 and is open in the state file. The reported cost is $11,300.

The file does not name the work. This file is a full record from 2021 on. Older permits are mostly missing. A repair from before then can be absent here and still be at the Upper Saddle Riv Boro construction office.

Flood zone for 15 COBBLESTONE DR

FEMA’s flood map places the mapped point for 15 COBBLESTONE DR in zone X.

The state’s 10-foot ground scan puts the lowest cell on this lot at 353.2 feet and the highest at 389.3 feet (NAVD88).

These figures are estimates. The zone and any flood elevation come from FEMA’s flood map at a point for this address, and that point can fall in the street. The high and low come from the state’s 10-foot ground scan of the lot outline. A cell can catch a ditch, the street, or the edge of the lot. They are not a survey and not an insurance rating. A licensed surveyor measures the ground and the building. The town floodplain administrator, or a licensed engineer, confirms what the zone means for this lot. No zone at this point, or zone X, does not mean the lot will not flood.

Water and sewer for 15 COBBLESTONE DR

This lot is within the Northwest Bergen County UA sewer system. Please verify with the provider.

This lot is most likely on a well because it is outside the mapped public water service area. Please verify.

These lines come from the state’s sewer service areas and public community water areas, read at a point for this address. That point can fall in the street. Being inside a named area means the lot is inside that mapped system, not that a pipe or a meter is on the house. Being outside means the lot is outside the mapped service area, which is usually a septic system or a private well. It is not a hookup record. Please verify with the provider. How we read water and sewer.

Year-by-year assessed value & tax

From NJ MOD-IV files (2023, 2024, 2025, 2026). Tax is the MOD-IV billed amount when present; otherwise —. Current mailing is in Assessment above.

Assessed value & ratio history

Parcel assessed nets come from MOD-IV year files (2023, 2024, 2025, 2026). Town average ratios are from Abstract / Chapter 123 when available — implied equalized = assessed ÷ (ratio ÷ 100).

Tax year history

Assessed net is from that year’s MOD-IV file. Est. tax = assessed × that year’s general rate when we have the rate sheet. Billed tax is the MOD-IV tax field when present (often empty for the newest file year).

Where your money goes

Component $ = net × (component rate ÷ 100). Percents are share of school + county + municipal components for rate year 2025.

Of the estimated increase of $1,024, the school portion moved $93 up, the county portion $326 up, and the municipal portion $605 up. Those are pieces of the dollar change. They are not a change in each share of the rate.

Property details

The class, building class, SR1A, and special-tax words are the state’s names for those codes. The zoning code is the town’s. A code that is not on the state list keeps the code and says so.