38 Main St, Montvale, NJ 07645 Property Records

Bergen County and Montvale Borough property record for 38 Main St, Montvale, NJ 07645

Property Summary

Property Type	Single Family Home
Details	2,530 sqft · built 1944
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,495 (2025)
Deeds & Mortgages	Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-00712-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`36-00712-0000-00005`
Alternative APNs	`360071200005` `00000642`

Interior

Stories	1 Story
Building Area	2,530 sqft Living Area

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Lot Area	12,502 sqft (0.287 acres)

Location & Zoning

Account Number	00000642
Street Address	38 MAIN ST
City	MONTVALE
State	NJ
Zip	07645-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	12500 SF
Legal Subdivision	CAGGIN SUB
Legal Block	712
Legal Lot Number	5
Jurisdiction	BERGEN NJ
Township / Civil Division	MONTVALE
Census Block Group	1
Census Block	1004
Census Tract	35100

Owner

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	38 MAIN ST, MONTVALE, NJ 07645-1431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 7, 1988
Deed Sale	Dec 7, 1988
Deed Book / Page	7264 / 59
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	38 MAIN ST, MONTVALE, NJ 07645-1431
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	FIDELITY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048581420
Date	Nov 10, 2022
Book Page	4858/1420
Instrument	2022107130

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

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		$489,600 (-) Land $255,000 Building $234,600	$489,600 (-) Land $255,000 Building $234,600
2025	$12,495.00 (+1.48%)	$489,600 (-) Land $255,000 Building $234,600	$489,600 (-) Land $255,000 Building $234,600
2024	$12,313.00 (+1.78%)
2023		$489,600 Land $255,000 Building $234,600	$489,600 Land $255,000 Building $234,600
2022	$12,098.00

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	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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 373 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 · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile USA Fixed Wireless	100 / 20