7 Walnut St, Montvale, NJ 07645 Property Records

Bergen County and Montvale Borough property record for 7 Walnut St, Montvale, NJ 07645

Property Summary

Property Type	Single Family Home
Details	1,740 sqft · built 1944
Lot Size	0.221 acres (9,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$670,000 (Apr 2025)
Tax Bill	$8,741 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-00709-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`36-00709-0000-00003`
Alternative APNs	`360070900003` `022900`

Interior

Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Construction Type	Frame
Lot Area	9,606 sqft (0.221 acres)

Location & Zoning

Account Number	022900
Street Address	7 WALNUT ST
City	MONTVALE
State	NJ
Zip	07645-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	L325,310,311
Legal Subdivision	MONTVALE PARK
Legal Block	709
Legal Lot Number	3
Jurisdiction	BERGEN NJ
Township / Civil Division	MONTVALE
Census Block Group	4
Census Block	4018
Census Tract	35100

Owner

Source: Bergen County and Montvale Borough records, 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	2 Individual Names on Record
Mailing Address	7 WALNUT ST, MONTVALE, NJ 07645-1420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2025 · Amount on Record
Deed Sale	Apr 16, 2025 · Amount on Record
Prior Sale	Jul 21, 2022 · Amount on Record
Deed Document Number	202527671
Deed Book / Page	5482 / 1887
Record Updated	Sep 20, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 21, 2022
Property Address	7 WALNUT ST, MONTVALE, NJ 07645-1420
Document Number	0047481056
Book / Page	4748 / 1056
Instrument Date	May 25, 2022
Instrument	2022072628
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,097.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 DELCINA DR, 610, RIVER VALE, NJ 07675-6111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 WALNUT ST, MONTVALE, NJ 07645-1420

Mortgage

Document Number	0047481062
Date	Jul 21, 2022
Book Page	4748/1062
Instrument	2022072629

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	Other
Max Rate	8.87%

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		$342,500 (-) Land $230,000 Building $112,500	$342,500 (-) Land $230,000 Building $112,500
2025	$8,741.00 (+1.49%)	$342,500 (-) Land $230,000 Building $112,500	$342,500 (-) Land $230,000 Building $112,500
2024	$8,613.00 (+1.77%)
2023		$342,500 Land $230,000 Building $112,500	$342,500 Land $230,000 Building $112,500
2022	$8,463.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	9 (1984–2021)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims Coastal Storms & Flooding, Apr 1984 · 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Cell Coverage

5G (outdoors only) and 4G LTE

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