Bergen County and Closter Borough property record for 40 Valley Rd, Closter, NJ 07624
| Property Type | Single Family Home |
|---|---|
| Details | 1,958 sqft · built 1959 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $660,000 (Feb 2019) |
| Tax Bill | $15,654 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-00305-0000-00005 |
| Primary APN | 07-00305-0000-00005 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,958 sqft Living Area |
| 1st Floor Area | 1,958 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Frame |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 143 ft deep x 140 ft wide |
| Account Number | 111180 |
|---|---|
| Street Address | 40 VALLEY RD |
| City | CLOSTER |
| State | NJ |
| Zip | 07624-1632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICTN |
| Legal Description | 0.32 AC |
| Legal Block | 305 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CLOSTER |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 7001 |
Source: Bergen County and Closter Borough records, 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 Record |
|---|---|
| Mailing Address | 40 VALLEY RD, CLOSTER, NJ 07624-1632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Feb 25, 2019 | Deed with Mortgage, Transfer · Conventional Mortgage QUICKEN LNS |
| Sep 11, 2017 | Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2019 · Amount on Record |
| Deed Sale | Feb 25, 2019 · Amount on Record |
| Prior Sale | Sep 11, 2017 · Amount on Record |
| Deed Document Number | 201912791 |
| Deed Book / Page | 3186 / 43 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 40 VALLEY RD, CLOSTER, NJ 07624-1632 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0039100228 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 3910/228 |
| Instrument | 2021005116 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 40 VALLEY RD, CLOSTER, NJ 07624-1632 |
| Document Number | 0034062093 |
| Instrument Date | Oct 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2019 |
| Title Company | NEW JERSEY LAND TITLE INSURANCE RATI, NEW JERSEY LAND TITLE INS RATI |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 40 VALLEY RD CLOSTER NJ 076241632, CLOSTER, NJ 07624-1632 |
| Document Number | 0034062093 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 003406/002093 |
| Instrument | 77723 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 13, 2049 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 25, 2019 |
| Property Address | 40 VALLEY RD, CLOSTER, NJ 07624-1632 |
| Document Number | 0031860043 |
| Book / Page | 003186 / 000043 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 12791 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 40 VALLEY RD CLOSTER NJ 076241632, CLOSTER, NJ 07624-1632 |
| Document Number | 31860049 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 003186/000049 |
| Instrument | 12791 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 24, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 11, 2017 |
| Property Address | 40 VALLEY RD, CLOSTER, NJ 07624-1632 |
| Document Number | 0027171813 |
| Book / Page | 002717 / 001813 |
| Instrument Date | Aug 16, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2017 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Tax | $300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 VALLEY RD CLOSTER NJ 076241632, CLOSTER, NJ 07624-1632 |
Source: Bergen County and Closter Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Closter Borough |
| Elementary School District | Closter Borough School District (KG - 08) |
| Secondary School District | Northern Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $828,300 (+9.64%) Land $406,200 Building $422,100 | $828,300 (+9.64%) Land $406,200 Building $422,100 | |
| 2025 | $15,654.00 (+3.81%) | $755,500 (+8.42%) Land $392,700 Building $362,800 | $755,500 (+8.42%) Land $392,700 Building $362,800 |
| 2024 | $15,080.00 (+2.17%) | ||
| 2023 | $696,800 Land $361,400 Building $335,400 | $696,800 Land $361,400 Building $335,400 | |
| 2022 | $14,760.00 |
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 | 4 in force |
| Nearby Flood Claims | 5 (1999–2025) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
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 93% of the US · lower than 81% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001 |
|---|---|
| Water Source | Surface water |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Jan 2021 |
| 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 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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