45 Main St, Montvale, NJ 07645 Property Records

Bergen County and Montvale Borough property record for 45 Main St, Montvale, NJ 07645

Property Summary

Property Type	Single Family Home
Details	1,952 sqft · built 1955
Lot Size	0.484 acres (21,100 sqft)
Owner	Individual on Record
Last Sale	$716,000 (Jul 2022)
Tax Bill	$11,270 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-00711-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`36-00711-0000-00001`
Alternative APNs	`360071100001` `227700`

Interior

Stories	1 Story
Building Area	1,952 sqft Living Area
1st Floor Area	1,952 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	21,100 sqft (0.484 acres)
Lot Dimensions	211 ft deep x 100 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	227700
Street Address	45 MAIN ST
City	MONTVALE
State	NJ
Zip	07645-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	100X211
Legal Block	711
Legal Lot Number	1
Jurisdiction	BERGEN NJ
Township / Civil Division	MONTVALE
Census Block Group	1
Census Block	1003
Census Tract	35100

Owner

Source: Bergen County and Montvale Borough assessment roll, 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	Individual on Record
Mailing Address	45 MAIN ST, MONTVALE, NJ 07645-1406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2022 · Amount on Record
Deed Sale	Jul 20, 2022 · Amount on Record
Prior Sale	Jul 2, 2001 · Amount on Record
Deed Document Number	202271984
Deed Book / Page	4746 / 385
Record Updated	Sep 20, 2026

July 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 20, 2022
Property Address	45 MAIN ST, MONTVALE, NJ 07645-1406
Document Number	0047460385
Book / Page	4746 / 385
Instrument Date	Jun 28, 2022
Instrument	2022071984
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,019.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 SENECA AVE, 41, EMERSON, NJ 07630-1224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MAIN ST, MONTVALE, NJ 07645-1406

Mortgage

Document Number	2022071985
Date	Jul 20, 2022
Instrument	2022071985

Lender

Name	BOND STREET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Bergen County and Montvale Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Montvale Borough
Elementary School District	Montvale Borough School District (KG - 08)
Secondary School District	Pascack Valley Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$441,600 (-) Land $271,400 Building $170,200	$441,600 (-) Land $271,400 Building $170,200
2025	$11,270.00 (+1.48%)	$441,600 (-) Land $271,400 Building $170,200	$441,600 (-) Land $271,400 Building $170,200
2024	$11,106.00 (+1.79%)
2023		$441,600 Land $271,400 Building $170,200	$441,600 Land $271,400 Building $170,200
2022	$10,911.00

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

Flood

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	1 in force
Nearby Flood Claims	2 (1983–2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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	VEOLIA WATER NEW JERSEY MONTVALE PD95 private · serves 654 people · EPA ID NJ0236001
Water Source	Purchased surface water
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 373 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
T-Mobile Fixed Wireless	100 / 20