105 Union St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 105 Union St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	6,485 sqft · built 1910
Lot Size	0.436 acres (19,000 sqft)
Owner	2 Individual Names on File
Last Sale	$2,510,000 (Jun 2023)
Tax Bill	$50,247 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-02201-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`13-02201-0000-00012`
Alternative APN	`130220100012`

Interior

Stories	2 Stories
Building Area	6,485 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	19,000 sqft (0.436 acres)
Lot Dimensions	190 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130220100012
Street Address	105 UNION ST
City	MONTCLAIR
State	NJ
Zip	07042-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	100X190 IRR
Legal Block	2201
Legal Lot Number	12
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	3
Census Block	3002
Census Tract	17000

Owner

105 Union St is owned and occupied by two individuals who bought it in June 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	105 UNION ST, MONTCLAIR, NJ 07042-2614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Nov 1, 2019	Deed of Trust, Mortgage PEAPACK GLADSTONE BK
Dec 16, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2023 · Amount on File
Deed Sale	Jun 14, 2023 · Amount on File
Prior Sale	Dec 16, 2019 · Amount on File
Deed Document Number	202335843
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jun 14, 2023
Property Address	105 UNION ST, MONTCLAIR, NJ 07042-2614
Document Number	0000035843
Instrument Date	Jun 7, 2023
Instrument	2023035843
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	ZWIREN TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 IRVING PL, RED BANK, NJ 07701-1709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 UNION ST, MONTCLAIR, NJ 07042-2614

Mortgage

Document Number	0000035845
Date	Jun 14, 2023
Instrument	2023035845

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	105 UNION ST, MONTCLAIR, NJ 07042-2614
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067352
Date	May 27, 2021
Instrument	2021067352

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.65%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.65%
Index	1-Year LIBOR
Max Rate	7.65%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	105 UNION ST, MONTCLAIR, NJ 07042-2614
Document Number	0000118772
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 UNION ST MONTCLAIR NJ 070422614, MONTCLAIR, NJ 07042-2614

Mortgage

Document Number	0000118772
Date	Dec 16, 2019
Instrument	118772

Lender

Name	PEAPACK GLADSTONE BK
Type	Bank
Address	500 HILLS DR # 300, BEDMINSTER, NJ 07921-1538

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Dec 16, 2019
Property Address	105 UNION ST, MONTCLAIR, NJ 07042-2614
Document Number	0000118771
Instrument Date	Oct 24, 2019
Instrument	2019118771
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 UNION ST, MONTCLAIR, NJ 07042-2614

Tax Assessment & Valuation

The 2025 property tax bill for 105 Union St was $50,247, 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		$1,429,100 (-) Land $303,500 Building $1,125,600	$1,429,100 (-) Land $303,500 Building $1,125,600
2025	$50,247.00 (+3.32%)	$1,429,100 Land $303,500 Building $1,125,600	$1,429,100 Land $303,500 Building $1,125,600
2024	$48,632.00
2023		$1,420,700 (-) Land $303,500 Building $1,117,200	$1,420,700 (-) Land $303,500 Building $1,117,200
2022	$46,712.00 (+1.76%)	$1,420,700 Land $303,500 Building $1,117,200	$1,420,700 Land $303,500 Building $1,117,200
2021	$45,902.00

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

Flood

FEMA maps place 105 Union St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1987.

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	18 (1987–2021)
Claims Outside the SFHA	12 of 18
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 claims Hurricane Irene, Aug 2011 · 3 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 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

The area around 105 Union St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 480 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Union St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures