Essex County and Montclair Township property record for 685 Valley Rd, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 2,037 sqft · built 1910 |
| Lot Size | 0.214 acres (9,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $620,000 (Jan 2021) |
| Tax Bill | $20,488 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Jan 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01806-0000-00026 |
| Primary APN | 13-01806-0000-00026 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,037 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Construction Type | Frame |
| Lot Area | 9,300 sqft (0.214 acres) |
| Lot Dimensions | 150 ft deep x 62 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 130180600026 |
|---|---|
| Street Address | 685 VALLEY RD |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043-1441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 62X150 IRR |
| Legal Block | 1806 |
| Legal Lot Number | 26 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 16100 |
685 Valley Rd is owned and occupied by two individuals who bought it in January 2021.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 685 VALLEY RD, MONTCLAIR, NJ 07043-1441 |
| 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.
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · Line of Credit LAKELAND BANK |
| Jan 7, 2021 | Grant Deed, Transfer · FHA Mortgage NJ LENDERS |
| Nov 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage NJ LENDERS |
| Apr 21, 2017 | Grant Deed, Transfer · Conventional Mortgage PINNACLE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2021 · Amount on File |
| Deed Sale | Jan 7, 2021 · Amount on File |
| Prior Sale | Apr 21, 2017 · Amount on File |
| Deed Document Number | 20211767 |
| Prior Transfer Date | Aug 3, 1989 |
| Prior Transfer Doc | 5089000277 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 685 VALLEY RD, MONTCLAIR, NJ 07043-1441 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Title Company | SEARCHTEC INC |
| Name | Verified Name |
|---|
| Document Number | 0000148535 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 2021148535 |
| Name | LAKELAND BANK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 18, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jan 7, 2021 |
| Property Address | 685 VALLEY RD, MONTCLAIR, NJ 07043-1441 |
| Document Number | 0000001767 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 1767 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2021 |
| Title Company | TITLE AGENCY/NJ INC, TITLE AGCY/NJ INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 685 VALLEY RD MONTCLAIR NJ 070431441, MONTCLAIR, NJ 07043-1441 |
| Document Number | 1768 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 1768 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 6, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 685 VALLEY RD, MONTCLAIR, NJ 07043-1441 |
| Document Number | 0000001768 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2021 |
| Title Company | TITLE AGENCY/NJ INC, TITLE AGCY/NJ INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 685 VALLEY RD MONTCLAIR NJ 070431441, MONTCLAIR, NJ 07043-1441 |
| Document Number | 0000001768 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 1768 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 6, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Apr 21, 2017 |
| Property Address | 685 VALLEY RD, MONTCLAIR, NJ 07043-1441 |
| Document Number | 0000035047 |
| Instrument Date | Apr 6, 2017 |
| Instrument | 35047 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | PRESTIGE TITLE, PRESTIGE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 685 VALLEY RD MONTCLAIR NJ 070431441, MONTCLAIR, NJ 07043-1441 |
| Document Number | 35057 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 35057 |
| Name | PINNACLE MTG |
|---|---|
| Type | Mortgage Company |
| Address | EAST HANOVER, NJ 07936 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 20, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
The 2025 property tax bill for 685 Valley Rd was $20,488, up 3.3% from the year before.
Source: Essex County and Montclair Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Montclair Township |
| Unified School District | Montclair Town School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $582,700 (-) Land $362,800 Building $219,900 | $582,700 (-) Land $362,800 Building $219,900 | |
| 2025 | $20,488.00 (+3.32%) | $582,700 Land $362,800 Building $219,900 | $582,700 Land $362,800 Building $219,900 |
| 2024 | $19,829.00 | ||
| 2023 | $582,700 Land $362,800 Building $219,900 | $582,700 Land $362,800 Building $219,900 | |
| 2022 | $19,159.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 685 Valley Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2006.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (2006–2023) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Apr 2023 · other causes |
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 risk around 685 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 98% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 485 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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