Essex County and Montclair Township property record for 104 Gates Ave, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 4,426 sqft · built 1925 |
| Lot Size | 0.332 acres (14,440 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,825,000 (Jul 2026) |
| Tax Bill | $32,062 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02103-0000-00009 |
| Primary APN | 13-02103-0000-00009 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,426 sqft Living Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Construction Type | Frame |
| Lot Area | 14,440 sqft (0.332 acres) |
| Lot Dimensions | 152 ft deep x 95 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130210300009 |
|---|---|
| Street Address | 104 GATES AVE |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-2511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 95X152 |
| Legal Block | 2103 |
| Legal Lot Number | 9 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 17000 |
104 Gates Ave is owned and occupied by two individuals who bought it in July 2026.
Source: Essex County and Montclair Township records, as of August 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 GATES AVE, MONTCLAIR, NJ 07042-2511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| Jul 20, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage MORGAN STANLEY BANK |
| Feb 26, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA |
| Jul 18, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2026 · Amount on File |
| Deed Sale | Jul 20, 2026 · Amount on File |
| Prior Sale | Jan 9, 1997 · Amount on File |
| Deed Document Number | 202647615 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jul 20, 2026 |
| Property Address | 104 GATES AVE, MONTCLAIR, NJ 07042-2511 |
| Document Number | 0000047615 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202647615 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | NORTH STAR TITLE AGENCY INC, NORTH STAR TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184,325.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 GATES AVE, MONTCLAIR, NJ 07042-2511 |
| Document Number | 0000047616, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 202647616 |
| Name | MORGAN STANLEY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 104 GATES AVE, MONTCLAIR, NJ 07042-2511 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC OH |
| Name | Verified Name |
|---|---|
| Address | 104 GATES AVE, MONTCLAIR, NJ 07042-2511 |
| Document Number | 0000012478 |
|---|---|
| Date | Feb 26, 2026 |
| Instrument | 2026012478 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 104 GATES AVE, MONTCLAIR, NJ 07042-2511 |
| Document Number | 0000109249 |
| Instrument Date | Oct 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2020 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 104 GATES AVE MONTCLAIR NJ 070422511, MONTCLAIR, NJ 07042-2511 |
| Document Number | 0000109249 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | 109249 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 3, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jul 18, 2019 |
| Property Address | 104 GATES AVE, MONTCLAIR, NJ 07042-2511 |
| Document Number | 0000066377 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 66377 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $940.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 104 GATES AVE MONTCLAIR NJ 070422511, MONTCLAIR, NJ 07042-2511 |
The 2025 property tax bill for 104 Gates Ave was $32,062, 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 | $911,900 (-) Land $312,200 Building $599,700 | $911,900 (-) Land $312,200 Building $599,700 | |
| 2025 | $32,062.00 (+3.32%) | $911,900 Land $312,200 Building $599,700 | $911,900 Land $312,200 Building $599,700 |
| 2024 | $31,031.00 | ||
| 2023 | $911,900 Land $312,200 Building $599,700 | $911,900 Land $312,200 Building $599,700 | |
| 2022 | $29,983.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 104 Gates Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1989.
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 | 2 in force |
| Nearby Flood Claims | 5 (1989–2011) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 104 Gates Ave 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 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.
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 495 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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