439 Valley Rd, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 439 Valley Rd, Montclair, NJ 07043

Property Summary

Property Type	Exempt (Full or Partial)
Details	3,745 sqft · built 1850
Lot Size	0.405 acres (17,629 sqft)
Owner	Company Name on File
Last Sale	$469,000 (Dec 2019)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-02503-0000-00054`

Property Details

APN / Parcel Number

Primary APN	`13-02503-0000-00054`
Alternative APN	`130250300054`

Interior

Units	2 Units
Stories	2 Stories
Building Area	3,745 sqft Total Area

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Construction Type	Frame
Lot Area	17,629 sqft (0.405 acres)

Location & Zoning

Old Parcel Number	130250300054
Street Address	439 VALLEY RD
City	MONTCLAIR
State	NJ
Zip	07043-1759
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R2
Legal Description	17627SF MOTHER LOT
Legal Subdivision	439 VLY ROAD CONDO
Legal Block	2503
Legal Lot Number	54
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1011
Census Tract	16400

Owner

439 Valley Rd is owned by a company that bought it in December 2019.

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

Owner of Record	Company Name on File
Mailing Address	439 VALLEY RD, MONTCLAIR, NJ 07043-1759
Owner Type	Company

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 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage INVESTORS BK
Dec 24, 2019	Grant Deed, Transfer · Conventional with PMI INVESTORS BK
Jun 12, 2017	Deed, Transfer · Conventional Mortgage INVESTORS HOME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 24, 2019 · Amount on File
Deed Sale	Dec 24, 2019 · Amount on File
Prior Sale	Jun 12, 2017 · Amount on File
Deed Document Number	2019202019121312
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	439 VALLEY RD, MONTCLAIR, NJ 07043-1759
Document Number	0000128030
Instrument Date	Dec 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	CLEAR SKIES TITLE AGENCY, CLEAR SKIES TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	439 VALLEY RD #A MONTCLAIR NJ 070431759, A, MONTCLAIR, NJ 07043-1759

Mortgage

Document Number	0000128030
Date	Dec 21, 2020
Instrument	128030

Lender

Name	INVESTORS BK
Type	Bank
Address	MILLBURN, NJ 07041

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Dec 24, 2019
Property Address	439 VALLEY RD, MONTCLAIR, NJ 07043-1759
Document Number	0000121312
Instrument Date	Nov 21, 2019
Instrument	121312
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$469.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	439 VALLEY RD #A MONTCLAIR NJ 070431759, A, MONTCLAIR, NJ 07043-1759

Mortgage

Document Number	121328
Date	Dec 24, 2019
Instrument	121328

Lender

Name	INVESTORS BK
Type	Bank
Address	MILLBURN, NJ 07041

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 23, 2049

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jun 12, 2017
Property Address	439 VALLEY RD, MONTCLAIR, NJ 07043-1759
Document Number	0000051028
Instrument Date	Jun 1, 2017
Instrument	2017051028
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	EVIDENT TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	439 VALLEY RD, 439, MONTCLAIR, NJ 07043-1759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 VALLEY RD, MONTCLAIR, NJ 07043-1759

Mortgage

Document Number	0000051033
Date	Jun 12, 2017
Instrument	2017051033

Lender

Name	INVESTORS HOME MORTGAGE
Type	Mortgage Company
Address	CLINTON, NJ 08809

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$591,600 (-) Land $349,300 Building $242,300	$591,600 (-) Land $349,300 Building $242,300
2025	$591,600 Land $349,300 Building $242,300	$591,600 Land $349,300 Building $242,300
2023	$591,600 Land $349,300 Building $242,300	$591,600 Land $349,300 Building $242,300

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

Flood

FEMA maps place 439 Valley Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 439 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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