Essex County and Montclair Township property record for 109 Christopher St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 2,796 sqft · built 1925 |
| Lot Size | 0.238 acres (10,380 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,515,000 (Dec 2023) |
| Tax Bill | $25,491 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-04403-0000-00016 |
| Primary APN | 13-04403-0000-00016 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,796 sqft Living Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1927 |
| Construction Type | Frame |
| Lot Area | 10,380 sqft (0.238 acres) |
| Lot Dimensions | 173 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130440300016 |
|---|---|
| Street Address | 109 CHRISTOPHER ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-4227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 60X173 IRR |
| Legal Subdivision | TOWNSHIP/MONTCLAIR |
| Legal Block | 4403 |
| Legal Lot Number | 16 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 16500 |
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 | 109 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LIVE OAK BANKING COMPANY |
| Dec 4, 2023 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2023 · Amount on File |
| Deed Sale | Dec 4, 2023 · Amount on File |
| Prior Sale | Mar 8, 2007 · Amount on File |
| Deed Document Number | 202372270 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Apr 7, 2026 |
| Property Address | 109 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Document Number | 0000022925 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202622925 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Document Number | 0000022925, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 202622925 |
| Name | LIVE OAK BANKING COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Dec 4, 2023 |
| Property Address | 109 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Document Number | 0000072270 |
| Instrument Date | Nov 29, 2023 |
| Instrument | 2023072270 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2024 |
| Title Company | RIDGE TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,787.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10133 TAYLOR CT, WEST WINDSOR, NJ 08550-5319 |
| Name | Verified Name |
|---|---|
| Address | 109 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Document Number | 0000072276 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | 2023072276 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 6.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year T-Bill |
| Max Rate | 12.7% |
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 | $725,000 (-) Land $377,100 Building $347,900 | $725,000 (-) Land $377,100 Building $347,900 | |
| 2025 | $25,491.00 (+5.03%) | $725,000 (+3.72%) Land $377,100 Building $347,900 | $725,000 (+3.72%) Land $377,100 Building $347,900 |
| 2024 | $24,270.00 (+5.6%) | ||
| 2023 | $699,000 (-) Land $377,100 Building $321,900 | $699,000 (-) Land $377,100 Building $321,900 | |
| 2022 | $22,983.00 (+1.77%) | $699,000 Land $377,100 Building $321,900 | $699,000 Land $377,100 Building $321,900 |
| 2021 | $22,584.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 4 in force |
| Nearby Flood Claims | 3 (2011–2024) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2024 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.3% 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 578 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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