Bergen County and Montvale Borough property record for 16 Shadow Ln, Montvale, NJ 07645
| Property Type | Single Family Home |
|---|---|
| Details | 2,180 sqft · built 1965 |
| Lot Size | 0.398 acres (17,325 sqft) |
| Owner | Individual Name on File |
| Last Sale | $267,000 (Jan 1998) |
| Tax Bill | $13,048 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit Jan 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-00608-0000-00004 |
| Primary APN | 36-00608-0000-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,180 sqft Living Area |
| 1st Floor Area | 2,180 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Construction Type | Frame |
| Lot Area | 17,325 sqft (0.398 acres) |
| Parking Spaces | 1 Parking Space |
| Account Number | 00000440 |
|---|---|
| Street Address | 16 SHADOW LN |
| City | MONTVALE |
| State | NJ |
| Zip | 07645-1345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | 236XIRR |
| Legal Subdivision | HOWLAND PARK |
| Legal Block | 608 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | MONTVALE |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 35100 |
16 Shadow Ln is owned and occupied by an individual who bought it in January 1998.
Source: Bergen County and Montvale Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16 SHADOW LN, MONTVALE, NJ 07645-1345 |
| 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 |
|---|---|
| Aug 31, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 1, 2019 | Deed of Trust, Mortgage · Conventional with PMI MARY GRAY |
| Nov 16, 2018 | Quit Claim Deed, Transfer STEWART TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 1998 · Amount on File |
| Deed Sale | Jan 15, 1998 · Amount on File |
| Deed Document Number | 19986960 |
| Deed Book / Page | 8035 / 179 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 16 SHADOW LN, MONTVALE, NJ 07645-1345 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 16 SHADOW LN, MONTVALE, NJ 07645-1345 |
| Document Number | 0036870166 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 3687/166 |
| Instrument | 20-079524 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jul 13, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 16 SHADOW LN, MONTVALE, NJ 07645-1345 |
| Document Number | 0032201455 |
| Instrument Date | Jan 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 16 SHADOW LN MONTVALE NJ 076451345, MONTVALE, NJ 07645-1345 |
| Document Number | 0032201455 |
|---|---|
| Date | Apr 15, 2019 |
| Book Page | 003220/001455 |
| Instrument | 23333 |
| Name | MARY GRAY |
|---|---|
| Address | 93 HAWTHORNE AVE # B, PARK RIDGE, NJ 07656-3239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 16, 2018 |
| Property Address | 16 SHADOW LN, MONTVALE, NJ 07645-1345 |
| Document Number | 0031091800 |
| Book / Page | 003109 / 001800 |
| Instrument Date | Oct 10, 2018 |
| Instrument | 81478 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2018 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 SHADOW LN MONTVALE NJ 076451345, MONTVALE, NJ 07645-1345 |
The 2025 property tax bill for 16 Shadow Ln was $13,048, 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 | $511,300 (-) Land $274,100 Building $237,200 | $511,300 (-) Land $274,100 Building $237,200 | |
| 2025 | $13,048.00 (+1.47%) | $511,300 Land $274,100 Building $237,200 | $511,300 Land $274,100 Building $237,200 |
| 2024 | $12,859.00 | ||
| 2023 | $511,300 Land $274,100 Building $237,200 | $511,300 Land $274,100 Building $237,200 | |
| 2022 | $12,634.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Shadow Ln in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1984.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 9 (1984–2021) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 16 Shadow Ln 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 | None beyond ember reach |
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 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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