109 Union St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 109 Union St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	4,898 sqft · built 1905
Lot Size	0.65 acres (28,301 sqft)
Owner	2 Individual Names on Record
Tax Bill	$20,980 (2025)
Deeds & Mortgages	Nov 2023 Construction Loan Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-02201-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`13-02201-0000-00013`
Alternative APN	`130220100013`

Interior

Stories	2 Stories
Building Area	4,898 sqft Living Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Construction Type	Frame
Lot Area	28,301 sqft (0.65 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130220100013
Street Address	109 UNION ST
City	MONTCLAIR
State	NJ
Zip	07042-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	28300SF
Legal Subdivision	MONTCLAIR TOWNSHIP
Legal Block	2201
Legal Lot Number	13
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	3
Census Block	3002
Census Tract	17000

Owner

Source: Essex County and Montclair Township records, as of July 2, 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	109 UNION ST, MONTCLAIR, NJ 07042-2614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Quit Claim Deed, Subdivision Related Transfer · Construction Mortgage CITIZENS BANK NA
Mar 2, 2023	Deed, Transfer · Commercial Mortgage RECASA FINANCIAL GROUP LLC
Jan 8, 2018	Grant Deed, Transfer WELLS FARGO BK/TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2023
Deed Sale	Nov 20, 2023
Prior Sale	Mar 2, 2023 · Amount on Record
Deed Document Number	202369923
Record Updated	Sep 20, 2026

November 2023: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	ESSEX NJ
Recording Date	Nov 20, 2023
Property Address	109 UNION ST, MONTCLAIR, NJ 07042-2614
Document Number	0000069923
Instrument Date	Nov 7, 2023
Instrument	2023069923
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 21, 2023
Title Company	KENSINGTON VANGUARD NATIONAL LAND, KENSINGTON VANGUARD NATL LAN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 FARMHAVEN AVE, EDISON, NJ 08820-3220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 UNION ST, MONTCLAIR, NJ 07042-2614

Mortgage

Document Number	0000069924
Date	Nov 20, 2023
Instrument	2023069924

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Mar 2, 2023
Property Address	109 UNION ST, MONTCLAIR, NJ 07042-2614
Document Number	0000013298
Instrument Date	Feb 17, 2023
Instrument	2023013298
Transaction Type	Transfer
Record Updated	Apr 4, 2023
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 LLOYD RD, MONTCLAIR, NJ 07042-1707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 UNION ST, MONTCLAIR, NJ 07042-2614

Mortgage

Document Number	0000013299
Date	Mar 2, 2023
Instrument	2023013299

Lender

Name	RECASA FINANCIAL GROUP LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jan 8, 2018
Property Address	109 UNION ST, MONTCLAIR, NJ 07042-2614
Document Number	0000001250
Instrument Date	Dec 18, 2017
Instrument	1250
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	PRESTIGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 UNION ST MONTCLAIR NJ 070422614, MONTCLAIR, NJ 07042-2614

Mortgage

Document Number	1257
Date	Jan 8, 2018
Instrument	1257

Lender

Name	WELLS FARGO BK/TX
Type	Bank
Address	101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2048

Tax Assessment & Valuation

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		$1,462,700 (+145.13%) Land $320,900 Building $1,141,800	$1,462,700 (+145.13%) Land $320,900 Building $1,141,800
2025	$20,980.00 (+3.32%)	$596,700 (-) Land $320,900 Building $275,800	$596,700 (-) Land $320,900 Building $275,800
2024	$20,305.00 (+3.5%)
2023		$596,700 (-) Land $320,900 Building $275,800	$596,700 (-) Land $320,900 Building $275,800
2022	$19,619.00 (+1.76%)	$596,700 Land $320,900 Building $275,800	$596,700 Land $320,900 Building $275,800
2021	$19,279.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

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