103 Lorraine Ave, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 103 Lorraine Ave, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	3,752 sqft · built 1912
Lot Size	0.459 acres (19,998 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Sep 2023)
Tax Bill	$37,530 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-03606-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`13-03606-0000-00009`
Alternative APN	`130360600009`

Interior

Stories	2 Stories
Building Area	3,752 sqft Living Area

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Construction Type	Frame
Lot Area	19,998 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130360600009
Street Address	103 LORRAINE AVE
City	MONTCLAIR
State	NJ
Zip	07043-2304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	100X200
Legal Block	3606
Legal Lot Number	9
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	4
Census Block	4009
Census Tract	16200

Owner

103 Lorraine Ave is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	103 LORRAINE AVE, MONTCLAIR, NJ 07043-2304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 4, 2024	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Sep 15, 2023	Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Prior Sale	Jun 11, 2013 · Amount on File
Deed Document Number	202355842
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	103 LORRAINE AVE, MONTCLAIR, NJ 07043-2304
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LORRAINE AVE, MONTCLAIR, NJ 07043-2304

Mortgage

Document Number	0000010867
Date	Feb 19, 2026
Instrument	2026010867

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	103 LORRAINE AVE, MONTCLAIR, NJ 07043-2304
Transaction Type	Mortgage
Record Updated	Nov 14, 2025
Title Company	SERVICE TITLE, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065314
Date	Oct 20, 2025
Instrument	2025065314

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	103 LORRAINE AVE, MONTCLAIR, NJ 07043-2304
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065081
Date	Nov 4, 2024
Instrument	2024065081

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Oct 23, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	103 LORRAINE AVE, MONTCLAIR, NJ 07043-2304
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067663
Date	Nov 13, 2023
Instrument	2023067663

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 15, 2023
Property Address	103 LORRAINE AVE, MONTCLAIR, NJ 07043-2304
Document Number	0000055842
Instrument Date	Sep 5, 2023
Instrument	2023055842
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 BLOOMFIELD AVE APT 504, 504, VERONA, NJ 07044-2726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LORRAINE AVE, MONTCLAIR, NJ 07043-2304

Mortgage

Document Number	0000055843
Date	Sep 15, 2023
Instrument	2023055843

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Oct 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 103 Lorraine Ave was $37,530, 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		$1,067,400 (-) Land $450,000 Building $617,400	$1,067,400 (-) Land $450,000 Building $617,400
2025	$37,530.00 (+3.32%)	$1,067,400 Land $450,000 Building $617,400	$1,067,400 Land $450,000 Building $617,400
2024	$36,323.00
2023		$1,067,400 (-) Land $450,000 Building $617,400	$1,067,400 (-) Land $450,000 Building $617,400
2022	$35,096.00 (+1.77%)	$1,067,400 Land $450,000 Building $617,400	$1,067,400 Land $450,000 Building $617,400
2021	$34,487.00

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

Flood

FEMA maps place 103 Lorraine Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.

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	5 in force
Nearby Flood Claims	3 (1983–2007)
Claims Outside the SFHA	3 of 3
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

Wildfire risk around 103 Lorraine Ave is low, with a 0.02% annual chance of 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	0.02% 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	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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	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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