FIRST RATE TITLE SETTLEMENT SERVICES, 1ST RATE TITLE SETTLEMENT SVCS
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$155.00
Amount Accuracy
Confirmed
Additional
Lis Pendens
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
1767 MORRIS AVE UNION NJ 070833532, UNION, NJ 07083-3532
Mortgage
Document Number
9207
Date
Feb 1, 2018
Instrument
9207
Lender
Name
ANCHOR LNS
Type
Funding / Finance Company
Address
CALABASAS, CA 91302
Agreement
Type
Conventional with PMI
Amount
Amount on Record
Tax Assessment & Valuation
The 2025 property tax bill for 428 Valley St was $23,753, up 3.1% from the year before.
Source: Essex County and City Of Orange Township assessment roll, as of July 2, 2026
Property Jurisdictions
Type
Name
State
New Jersey
County
Essex County
County Subdivision
City Of Orange Township
Unified School District
Orange City Township School District (KG - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$589,400 (-)Land $71,900Building $517,500
$589,400 (-)Land $71,900Building $517,500
2025
$23,753.00 (+3.07%)
$589,400Land $71,900Building $517,500
$589,400Land $71,900Building $517,500
2024
$23,045.00
2023
$242,800 (-)Land $71,900Building $170,900
$242,800 (-)Land $71,900Building $170,900
2022
$8,415.00 (+19.33%)
$242,800Land $71,900Building $170,900
$242,800Land $71,900Building $170,900
2021
$7,052.00
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Flood
FEMA maps place 428 Valley St 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 AO, within 500 ft
Flood Insurance Requirement
Not required lenders may require it
Flood Insurance Cost
Premium on File median of 21 individual policies
Nearby Flood Policies
63 units insured incl. 42 condo units
Nearby Flood Claims
35 (1981–2026)
Most Recent Claim
Jul 2026 · rainfall accumulation
Claims by Event
Remnants Of Hurricane Ida, Sep 2021 · 11 claims
Hurricane Irene, Aug 2011 · 6 claims
Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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
The area around 428 Valley St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Not rated no burnable land within 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
ORANGE WATER DEPT serves 30,134 people · EPA ID NJ0717001
Water Source
Purchased surface water from several systems
Last State Inspection
Sep 2024
Lead
2 ppb (2026) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
Corrosion control Jan 2021
Monitoring and Reporting
10 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 854 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