Bergen County and Montvale Borough property record for 10 Stem Brook Rd, Montvale, NJ 07645
| Property Type | Single Family Home |
|---|---|
| Details | 2,790 sqft · built 1970 |
| Lot Size | 1.08 acres (47,201 sqft) |
| Owner | Individual Name on File |
| Last Sale | $685,000 (Mar 2014) |
| Tax Bill | $14,508 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-00403-0000-00013 |
| Primary APN | 36-00403-0000-00013 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,790 sqft Living Area |
| 1st Floor Area | 2,790 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Construction Type | Frame |
| Lot Area | 47,201 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 00000214 |
|---|---|
| Street Address | 10 STEM BROOK RD |
| City | MONTVALE |
| State | NJ |
| Zip | 07645-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Subdivision | BROOKVIEW ACRES |
| Legal Block | 403 |
| Legal Lot Number | 13 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | MONTVALE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 35100 |
10 Stem Brook Rd is owned and occupied by an individual who bought it in March 2014.
Source: Bergen County and Montvale Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 STEM BROOK RD, MONTVALE, NJ 07645-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 1, 2021 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Dec 16, 2016 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 2014 · Amount on File |
| Deed Sale | Mar 24, 2014 · Amount on File |
| Prior Sale | Dec 1, 1998 · Amount on File |
| Deed Document Number | 201418145 |
| Deed Book / Page | 1639 / 489 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 10 STEM BROOK RD, MONTVALE, NJ 07645-1210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0039851181 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 3985/1181 |
| Instrument | 2021027930 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Dec 16, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 10 STEM BROOK RD, MONTVALE, NJ 07645-1210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0038291295 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 3829/1295 |
| Instrument | 20-122513 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 10 STEM BROOK RD, MONTVALE, NJ 07645-1210 |
| Document Number | 0024981038 |
| Instrument Date | Dec 16, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 BROOK RD #M MONTVALE NJ 07645, M, MONTVALE, NJ 07645 |
| Document Number | 0024981038 |
|---|---|
| Date | Jan 9, 2017 |
| Book Page | 002498/001038 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2047 |
The 2025 property tax bill for 10 Stem Brook Rd was $14,508, up 1.5% from the year before.
Source: Bergen County and Montvale Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Montvale Borough |
| Elementary School District | Montvale Borough School District (KG - 08) |
| Secondary School District | Pascack Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $568,500 (-) Land $295,200 Building $273,300 | $568,500 (-) Land $295,200 Building $273,300 | |
| 2025 | $14,508.00 (+1.48%) | $568,500 Land $295,200 Building $273,300 | $568,500 Land $295,200 Building $273,300 |
| 2024 | $14,297.00 | ||
| 2023 | $568,500 Land $295,200 Building $273,300 | $568,500 Land $295,200 Building $273,300 | |
| 2022 | $14,047.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Stem Brook Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 10 Stem Brook Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA WATER NEW JERSEY MONTVALE PD95 private · serves 654 people · EPA ID NJ0236001 |
|---|---|
| Water Source | Purchased surface water |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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