471 Valley Rd, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 471 Valley Rd, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	1,638 sqft · built 1785
Lot Size	0.299 acres (13,020 sqft)
Owner	Individual Name on File
Last Sale	$1,107,000 (Dec 2022)
Tax Bill	$23,529 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-02504-0000-00041`

Property Details

APN / Parcel Number

Primary APN	`13-02504-0000-00041`
Alternative APN	`130250400041`

Interior

Stories	1 Story
Building Area	1,638 sqft Living Area
1st Floor Area	1,638 sqft

Exterior

Year Built	Built 1785
Effective Year Built	Effective 1785
Exterior Material	Concrete Block
Construction Type	Stone
Lot Area	13,020 sqft (0.299 acres)
Lot Dimensions	155 ft deep x 84 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130250400041
Street Address	471 VALLEY RD
City	MONTCLAIR
State	NJ
Zip	07043-1852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	84X155 IRR
Legal Subdivision	DEFOREST EST/MONTCLAIR
Legal Block	2504
Legal Lot Number	41
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	3
Census Block	3005
Census Tract	16300

Owner

471 Valley Rd is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	471 VALLEY RD, MONTCLAIR, NJ 07043-1852
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

Date	Document
Dec 21, 2022	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Jul 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP
Mar 15, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022 · Amount on File
Deed Sale	Dec 21, 2022 · Amount on File
Prior Sale	Mar 15, 2021 · Amount on File
Deed Document Number	2022108563
Prior Transfer Date	Mar 5, 2007
Prior Transfer Doc	1203008273
Record Updated	Oct 29, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Dec 21, 2022
Property Address	471 VALLEY RD, MONTCLAIR, NJ 07043-1852
Document Number	0000108563
Instrument Date	Nov 2, 2022
Instrument	2022108563
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,767.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 MAPLE RUN, BASKING RIDGE, NJ 07920-1040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 VALLEY RD, MONTCLAIR, NJ 07043-1852

Mortgage

Document Number	0000108564
Date	Dec 21, 2022
Instrument	2022108564

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	Other
Max Rate	10.6%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	471 VALLEY RD, MONTCLAIR, NJ 07043-1852
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	FOUNDATION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067898
Date	Jul 19, 2022
Instrument	2022067898

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company
Address	LITTLE FALLS, NJ 07424

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

March 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ESSEX NJ
Recording Date	Mar 15, 2021
Property Address	471 VALLEY RD, MONTCLAIR, NJ 07043-1852
Document Number	2021031053
Instrument Date	Oct 2, 2020
Instrument	2021031053
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	EVIDENT TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	361 LAUDERDALE DR, 361, LAVALLETTE, NJ 08735-2905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 VALLEY RD, MONTCLAIR, NJ 07043-1852

Mortgage

Document Number	2021031054
Date	Mar 15, 2021
Instrument	2021031054

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 471 Valley Rd was $23,529, 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		$669,200 (-) Land $343,400 Building $325,800	$669,200 (-) Land $343,400 Building $325,800
2025	$23,529.00 (+3.32%)	$669,200 Land $343,400 Building $325,800	$669,200 Land $343,400 Building $325,800
2024	$22,772.00
2023		$669,200 Land $343,400 Building $325,800	$669,200 Land $343,400 Building $325,800
2022	$20,530.00

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

Flood

FEMA maps place 471 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	159 units insured incl. 154 condo units
Nearby Flood Claims	8 (1978–2021)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 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 471 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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