2 Cherokee Trl, Montvale, NJ 07645 Property Records

Bergen County and Montvale Borough property record for 2 Cherokee Trl, Montvale, NJ 07645

Property Summary

Property Type	Single Family Home
Details	2,993 sqft · built 1980
Lot Size	1.04 acres (45,307 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Jul 2018)
Tax Bill	$19,117 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-00404-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`36-00404-0000-00015`
Alternative APNs	`360040400015` `00000229`

Interior

Building Area	2,993 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	45,307 sqft
Lot Dimensions	221 ft deep x 205 ft wide

Location & Zoning

Account Number	00000229
Street Address	2 CHEROKEE TRL
City	MONTVALE
State	NJ
Zip	07645-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	205 X 221
Legal Block	404
Legal Lot Number	15
Jurisdiction	BERGEN NJ
Township / Civil Division	MONTVALE
Census Block Group	2
Census Block	2012
Census Tract	35100

Owner

2 Cherokee Trl is owned and occupied by two individuals who bought it in July 2018.

Source: Bergen County and Montvale Borough records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 CHEROKEE TRL, MONTVALE, NJ 07645-1227
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jul 12, 2018	Deed with Mortgage, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2018 · Amount on File
Deed Sale	Jul 12, 2018 · Amount on File
Prior Sale	Dec 12, 2012 · Amount on File
Deed Document Number	201818-049571
Deed Book / Page	2995 / 443
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	2 CHEROKEE TRL, MONTVALE, NJ 07645-1227
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040641851
Date	Apr 8, 2021
Book Page	4064/1851
Instrument	2021052484

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	2 CHEROKEE TRL, MONTVALE, NJ 07645-1227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033091878
Date	Jul 31, 2019
Book Page	3309/1878
Instrument	19-049622

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2018: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Jul 12, 2018
Property Address	2 CHEROKEE TRL, MONTVALE, NJ 07645-1227
Document Number	0029950443
Book / Page	002995 / 000443
Instrument Date	Jun 18, 2018
Instrument	49571
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	AMERICAN LAND TITLE INSURANCE ASSOCIATION, AMERICAN LAND TITLE INS ASSN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 CHEROKEE TRL MONTVALE NJ 076451227, MONTVALE, NJ 07645-1227

Mortgage

Document Number	29950450
Date	Jul 12, 2018
Book Page	002995/000450
Instrument	49571

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2 Cherokee Trl was $19,117, up 1.5% from the year before.

Source: Bergen County and Montvale Borough assessment roll, as of June 29, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$749,100 (-) Land $320,100 Building $429,000	$749,100 (-) Land $320,100 Building $429,000
2025	$19,117.00 (+1.48%)	$749,100 Land $320,100 Building $429,000	$749,100 Land $320,100 Building $429,000
2024	$18,839.00
2023		$749,100 Land $320,100 Building $429,000	$749,100 Land $320,100 Building $429,000
2022	$18,510.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2 Cherokee Trl 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

Wildfire risk around 2 Cherokee Trl is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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