425 Valley Rd, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 425 Valley Rd, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	2,255 sqft · built 1923
Lot Size	0.109 acres (4,750 sqft)
Owner	Individual Name on File
Last Sale	$711,000 (Mar 2021)
Tax Bill	$19,271 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-02503-0000-00043`

Property Details

APN / Parcel Number

Primary APN	`13-02503-0000-00043`
Alternative APN	`130250300043`

Interior

Stories	2 Stories
Building Area	2,255 sqft Living Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Frame
Lot Area	4,750 sqft (0.109 acres)
Lot Dimensions	95 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130250300043
Street Address	425 VALLEY RD
City	MONTCLAIR
State	NJ
Zip	07043-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	50X95 IRR
Legal Block	2503
Legal Lot Number	43
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1011
Census Tract	16400

Owner

425 Valley Rd is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	425 VALLEY RD, MONTCLAIR, NJ 07043-1638
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Prior Sale	Aug 15, 2000 · Amount on File
Deed Document Number	202137129
Record Updated	Oct 29, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Mar 25, 2021
Property Address	425 VALLEY RD, MONTCLAIR, NJ 07043-1638
Document Number	2021037129
Instrument Date	Mar 10, 2021
Instrument	2021037129
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,777.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 VALLEY RD, 425, MONTCLAIR, NJ 07043-1638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 VALLEY RD, MONTCLAIR, NJ 07043-1638

Mortgage

Document Number	2021037130
Date	Mar 25, 2021
Instrument	2021037130

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 425 Valley Rd was $19,271, 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		$548,100 (-) Land $291,400 Building $256,700	$548,100 (-) Land $291,400 Building $256,700
2025	$19,271.00 (+3.32%)	$548,100 Land $291,400 Building $256,700	$548,100 Land $291,400 Building $256,700
2024	$18,651.00
2023		$548,100 Land $291,400 Building $256,700	$548,100 Land $291,400 Building $256,700
2022	$18,021.00

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

Flood

FEMA maps place 425 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 425 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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