3 Rustic Cir, Apt D, Montvale, NJ 07645 Property Records

Bergen County and Montvale Borough property record for 3 Rustic Cir, Apt D, Montvale, NJ 07645

Property Summary

Property Type	Single Family Home
Details	1 bd · 730 sqft · built 1963
Lot Size	0.012 acres (512 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jul 2026)
Tax Bill	$4,305 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`36-02903-0000-00006-74-C003D`

Property Details

APN / Parcel Number

Primary APN	`36-02903-0000-00006-74-C003D`
Alternative APNs	`36029030000000060074 C003D` `00002439`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	730 sqft Living Area
1st Floor Area	730 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Condo/Apartment
Lot Area	512 sqft (0.012 acres)

Location & Zoning

Account Number	00002439
Street Address	3 RUSTIC CIR, D
City	MONTVALE
State	NJ
Zip	07645-1602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIDGEMOUNT GARDENS
Legal Block	2903
Legal Lot Number	6.74
Jurisdiction	BERGEN NJ
Township / Civil Division	MONTVALE
Census Block Group	5
Census Block	5013
Census Tract	35100

Owner

Source: Bergen County and Montvale Borough records, as of August 31, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3 RUSTIC CIR, D, MONTVALE, NJ 07645-1602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Aug 4, 2023	Deed, Transfer LAND QUEST TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Aug 4, 2023 · Amount on Record
Deed Document Number	202650312
Deed Book / Page	5855 / 425
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 23, 2026
Property Address	3 RUSTIC CIR, MONTVALE, NJ 07645-1602
Document Number	0000050312
Book / Page	5855 / 425
Instrument Date	Jul 10, 2026
Instrument	202650312
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	GRANDVIEW TITLE AGENCY, GRANDVIEW TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,310.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RUSTIC CIR, MONTVALE, NJ 07645-1602

Mortgage

Document Number	0000050313,
Date	Jul 23, 2026
Instrument	202650313

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 4, 2023
Property Address	3 RUSTIC CIR APT D, D, MONTVALE, NJ 07645-1602
Document Number	0050521750
Book / Page	5052 / 1750
Instrument Date	Jul 6, 2023
Instrument	2023051165
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	LAND QUEST TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,305.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 DERCOLE CT APT 331, 331, NORWOOD, NJ 07648-1568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RUSTIC CIR APT D, D, MONTVALE, NJ 07645-1602

Tax Assessment & Valuation

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		$168,700 (-) Land $115,000 Building $53,700	$168,700 (-) Land $115,000 Building $53,700
2025	$4,305.00 (+1.46%)	$168,700 (-) Land $115,000 Building $53,700	$168,700 (-) Land $115,000 Building $53,700
2024	$4,243.00 (+1.8%)
2023		$168,700 (-) Land $115,000 Building $53,700	$168,700 (-) Land $115,000 Building $53,700
2022	$4,168.00 (+0.53%)	$168,700 Land $115,000 Building $53,700	$168,700 Land $115,000 Building $53,700
2021	$4,146.00

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

Flood

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	5 (1979–1985)
Most Recent Claim	Aug 1985 · tidal / storm surge

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

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.

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 134 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: AT&T, T-Mobile.

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