Bergen County and Montvale Borough property record for 23 Main St, Montvale, NJ 07645
| Property Type | Single Family Home |
|---|---|
| Details | 2,152 sqft · built 1962 |
| Lot Size | 0.232 acres (10,124 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $765,000 (Jun 2021) |
| Tax Bill | $15,003 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-00805-0000-00001 |
| Primary APN | 36-00805-0000-00001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,152 sqft Living Area |
| 1st Floor Area | 2,152 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Stucco |
| Lot Area | 10,124 sqft (0.232 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 00000739 |
|---|---|
| Street Address | 23 MAIN ST |
| City | MONTVALE |
| State | NJ |
| Zip | 07645-2202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | L553-555 |
| Legal Subdivision | MONTVALE PARK |
| Legal Block | 805 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | MONTVALE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 35100 |
Source: Bergen County and Montvale Borough assessment roll, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 MAIN ST, MONTVALE, NJ 07645-2202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed, Transfer · Conventional Mortgage KEARNY BANK |
| Apr 24, 2020 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Apr 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 1, 2021 · Amount on Record |
| Deed Sale | Jun 1, 2021 · Amount on Record |
| Prior Sale | Jul 3, 2014 · Amount on Record |
| Deed Document Number | 202186158 |
| Deed Book / Page | 4176 / 1948 |
| Prior Transfer Date | Apr 17, 2014 |
| Prior Transfer Doc | 0016580990 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 1, 2021 |
| Property Address | 23 MAIN ST, MONTVALE, NJ 07645-2202 |
| Document Number | 0041761948 |
| Book / Page | 4176 / 1948 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 2021086158 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,934.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23 MAIN ST, 23, MONTVALE, NJ 07645-2202 |
| Name | Verified Name |
|---|---|
| Address | 23 MAIN ST, MONTVALE, NJ 07645-2202 |
| Document Number | 2021086159 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 2021086159 |
| Name | KEARNY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 24, 2020 |
| Property Address | 23 MAIN ST, MONTVALE, NJ 07645-2202 |
| Document Number | 0035800600 |
| Book / Page | 3580 / 600 |
| Instrument Date | Apr 9, 2020 |
| Instrument | 20-042706 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | MAIN STREET TTL & SETMNT SVC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 23 MAIN ST, MONTVALE, NJ 07645-2202 |
| Document Number | 20042707 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 20-042707 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 23 MAIN ST, MONTVALE, NJ 07645-2202 |
| Document Number | 0035800606 |
| Instrument Date | Apr 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 MAIN ST MONTVALE NJ 076452202, MONTVALE, NJ 07645-2202 |
| Document Number | 0035800606 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 003580/000606 |
| Instrument | 20042707 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 23, 2040 |
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 | $587,900 (-) Land $240,000 Building $347,900 | $587,900 (-) Land $240,000 Building $347,900 | |
| 2025 | $15,003.00 (+1.47%) | $587,900 (-) Land $240,000 Building $347,900 | $587,900 (-) Land $240,000 Building $347,900 |
| 2024 | $14,786.00 (+1.78%) | ||
| 2023 | $587,900 Land $240,000 Building $347,900 | $587,900 Land $240,000 Building $347,900 | |
| 2022 | $14,527.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 2 (1983–2007) |
| Most Recent Claim | Apr 2007 · Severe Storms And Inland And Coastal Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 465 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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