418 Valley Rd, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 418 Valley Rd, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	3,180 sqft · built 1914
Lot Size	0.134 acres (5,850 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Dec 2018)
Tax Bill	$22,446 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Sep 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-01704-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`13-01704-0000-00010`
Alternative APN	`130170400010`

Interior

Stories	2 Stories
Building Area	3,180 sqft Living Area

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Construction Type	Frame
Lot Area	5,850 sqft (0.134 acres)
Lot Dimensions	150 ft deep x 39 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130170400010
Street Address	418 VALLEY RD
City	MONTCLAIR
State	NJ
Zip	07043-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	39X150
Legal Block	1704
Legal Lot Number	10
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1010
Census Tract	16400

Owner

418 Valley Rd is owned by two individuals who bought it in December 2018.

Source: Essex County and Montclair Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 DANIEL DR, CEDAR GROVE, NJ 07009-1526
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage AMERICAS MORTGAGE ALLIANCE INC
Sep 30, 2020	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Jul 7, 2017	Deed of Trust, Mortgage · Conventional with PMI PINNACLE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2018 · Amount on File
Deed Sale	Dec 29, 2018 · Amount on File
Prior Sale	Jul 20, 2017 · Amount on File
Deed Document Number	2018111963
Prior Transfer Date	Jul 23, 1991
Prior Transfer Doc	5177000927
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	418 VALLEY RD, MONTCLAIR, NJ 07043-1646
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111964
Date	Dec 29, 2018
Instrument	2018111964

Lender

Name	AMERICAS MORTGAGE ALLIANCE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	418 VALLEY RD, MONTCLAIR, NJ 07043-1646
Document Number	0000099582
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 DANIEL DR CEDAR GROVE NJ 070091526, CEDAR GROVE, NJ 07009-1526

Mortgage

Document Number	0000099582
Date	Oct 9, 2020
Instrument	99582

Lender

Name	SANTANDER BK NA
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2050

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	418 VALLEY RD, MONTCLAIR, NJ 07043-1646
Document Number	0000092158
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 VALLEY RD MONTCLAIR NJ 070431646, MONTCLAIR, NJ 07043-1646

Mortgage

Document Number	0000092158
Date	Sep 30, 2019
Instrument	92158

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	WHIPPANY, NJ 07981

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	418 VALLEY RD, MONTCLAIR, NJ 07043-1646
Document Number	0000062700
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 VALLEY RD MONTCLAIR NJ 070431725, MONTCLAIR, NJ 07043-1725

Mortgage

Document Number	0000062700
Date	Jul 20, 2017
Instrument	62700

Lender

Name	PINNACLE MTG
Type	Mortgage Company
Address	EAST HANOVER, NJ 07936

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 418 Valley Rd was $22,446, up 3.3% from the year before.

Source: Essex County and Montclair Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Montclair Township
Unified School District	Montclair Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$638,400 (-) Land $296,400 Building $342,000	$638,400 (-) Land $296,400 Building $342,000
2025	$22,446.00 (+3.32%)	$638,400 Land $296,400 Building $342,000	$638,400 Land $296,400 Building $342,000
2024	$21,724.00
2023		$638,400 Land $296,400 Building $342,000	$638,400 Land $296,400 Building $342,000
2022	$20,990.00

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

Flood

FEMA maps place 418 Valley Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	40 (1982–2021)
Claims Outside the SFHA	9 of 40
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 12 claims Hurricane Irene, Aug 2011 · 5 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 9 claims

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

Wildfire risk around 418 Valley Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.3% 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	MONTCLAIR WATER BUREAU serves 40,150 people · EPA ID NJ0713001
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2024
Monitoring and Reporting	1 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 567 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
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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