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21 Walnut St, Montvale, NJ 07645 Property Records

Bergen County and Montvale Borough property record for 21 Walnut St, Montvale, NJ 07645 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2,585 sqft · built 1910
Lot Size0.293 acres (12,763 sqft)
Owner2 Individual Names on File
Last Sale$225,000 (Jan 1999)
Tax Bill$14,250 (2025)
Deeds & MortgagesDec 2025 Mortgage
Nov 2023 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN36-00709-0000-00009

Property Details

APN / Parcel Number

Primary APN36-00709-0000-00009
Alternative APNs
  • 360070900009
  • 00000606

Interior

Stories2 Stories
Building Area2,585 sqft Living Area

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Exterior MaterialStucco
Lot Area12,763 sqft (0.293 acres)
Parking Spaces1 Parking Space

Location & Zoning

Account Number00000606
Street Address21 WALNUT ST
CityMONTVALE
StateNJ
Zip07645-1420
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL338,339,297
Legal SubdivisionMONTVALE PARK
Legal Block709
Legal Lot Number9
JurisdictionBERGEN NJ
Township / Civil DivisionMONTVALE
Census Block Group4
Census Block4018
Census Tract35100

Owner

Source: Bergen County and Montvale Borough records · APN 36-00709-0000-00009

Assessment roll updated June 29, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address21 WALNUT ST, MONTVALE, NJ 07645-1420
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 13, 2025Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Nov 30, 2023Deed of Trust, Mortgage · FHA Mortgage
EMM LOANS LLC
Oct 23, 2018Loan Modification, Mortgage · Conventional Mortgage
M&T BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 12, 1999 · Amount on Record
Deed SaleJan 12, 1999 · Amount on Record
Deed Document Number19995956
Deed Book / Page8135 / 886
Record UpdatedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address21 WALNUT ST, MONTVALE, NJ 07645-1420
Transaction TypeMortgage
Record UpdatedFeb 16, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 WALNUT ST, MONTVALE, NJ 07645-1420

Mortgage

Document Number0056780145
DateDec 13, 2025
Book Page5678/145
Instrument2025087208
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term340 Months
DueApr 01, 2054

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address21 WALNUT ST, MONTVALE, NJ 07645-1420
Transaction TypeMortgage
Record UpdatedJan 19, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051340081
DateNov 30, 2023
Book Page5134/81
Instrument2023077106
Lender
NameEMM LOANS LLC
TypeMortgage Company
AddressCHERRY HILL, NJ 08003
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2053

October 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBERGEN NJ
Property Address21 WALNUT ST, MONTVALE, NJ 07645-1420
Document Number0031172282
Instrument DateOct 23, 2018
Transaction TypeMortgage
Record UpdatedDec 12, 2018
Title CompanyTITLE 365

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address21 WALNUT ST MONTVALE NJ 076451420, MONTVALE, NJ 07645-1420

Mortgage

Document Number0031172282
DateNov 28, 2018
Book Page003117/002282
Instrument83868
Lender
NameM&T BK
TypeBank
AddressGETZVILLE, NY 14068
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term480 Months
DueNov 27, 2058
Interest
Rate TypeFixed Rate
Rate3.75%

Tax Assessment & Valuation

Source: Bergen County and Montvale Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityMontvale Borough
Elementary School DistrictMontvale Borough School District (KG - 08)
Secondary School DistrictPascack Valley Regional School District (09 - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$558,400 (-) Land $245,000 Building $313,400$558,400 (-) Land $245,000 Building $313,400
2025$14,250.00 (+1.47%)$558,400 (-) Land $245,000 Building $313,400$558,400 (-) Land $245,000 Building $313,400
2024$14,044.00 (+1.78%)
2023$558,400 Land $245,000 Building $313,400$558,400 Land $245,000 Building $313,400
2022$13,798.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030351004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
Nearby Flood Claims9 (1984–2021)
Claims Outside the SFHA4 of 9
Most Recent ClaimSep 2021, other causes, Remnants Of Hurricane Ida
Claims By Storm
  • Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims
  • Coastal Storms & Flooding, Apr 1984 · 2 claims

Wildfire

Wildfire RiskLow
above 7% of the US · above 18% of New Jersey
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 373 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Optimum CommunicationsFiber8,000 / 8,000
VerizonFiber2,300 / 2,300
Optimum CommunicationsCable940 / 35
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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