115 Howard Ave, Passaic, NJ 07055 Property Records

Passaic County and Passaic City property record for 115 Howard Ave, Passaic, NJ 07055

Property Summary

Property Type	Single Family Home
Details	1,266 sqft · built 1955
Lot Size	0.134 acres (5,828 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Aug 2018)
Tax Bill	$9,734 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-01297-02-00010`

Property Details

APN / Parcel Number

Primary APN	`07-01297-02-00010`
Alternative APN	`0701297B00010`

Interior

Stories	1 Story
Building Area	1,266 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Wood
Construction Type	Frame
Lot Area	5,828 sqft (0.134 acres)
Lot Dimensions	110 ft deep x 53 ft wide

Location & Zoning

Old Parcel Number	0701297B00010
Street Address	115 HOWARD AVE
City	PASSAIC
State	NJ
Zip	07055
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	1297
Legal Lot Number	10
Jurisdiction	PASSAIC NJ
Township / Civil Division	PASSAIC
Census Block Group	3
Census Block	3000
Census Tract	175701

Owner

115 Howard Ave is owned and occupied by two individuals who bought it in August 2018.

Source: Passaic County and Passaic City records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	115 HOWARD AVE, PASSAIC, NJ 07055
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA
Aug 13, 2018	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Jul 2, 2018	Grant Deed, Transfer RIVERSIDE ABSTRACT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2018 · Amount on File
Deed Sale	Aug 13, 2018 · Amount on File
Prior Sale	Jul 2, 2018 · Amount on File
Deed Document Number	201836602
Deed Book / Page	3377 / 37
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	115 HOWARD AVE, PASSAIC, NJ 07055
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EXCLUSIVE LAND SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027894
Date	Jun 24, 2020
Book Page	M16229/174
Instrument	2020027894

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	Aug 13, 2018
Property Address	115 HOWARD AVE, PASSAIC, NJ 07055
Document Number	0000036602
Book / Page	003377 / 000037
Instrument Date	Aug 8, 2018
Instrument	36602
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
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	115 HOWARD AVE PASSAIC NJ 07055, PASSAIC, NJ 07055

Mortgage

Document Number	36604
Date	Aug 13, 2018
Book Page	015148/000167
Instrument	36604

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2048

Mortgage

Document Number	36605,
Date	Aug 13, 2018
Book Page	015148/000183
Instrument	36605

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	PASSAIC, NJ 07055

Agreement

Amount	Amount on Record

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	Jul 2, 2018
Property Address	115 HOWARD AVE, PASSAIC, NJ 07055
Document Number	0000029071
Book / Page	003343 / 000219
Instrument Date	May 2, 2018
Instrument	29071
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	RIVERSIDE ABSTRACT INC

Transaction

Amount	Amount on Record
Tax	$199.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	47 CRESCENT AVE PASSAIC NJ 070552407, PASSAIC, NJ 07055-2407

Tax Assessment & Valuation

The 2025 property tax bill for 115 Howard Ave was $9,734, up 3.3% from the year before.

Source: Passaic County and Passaic City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Passaic City
Unified School District	Passaic City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$228,600 (-) Land $121,600 Building $107,000	$228,600 (-) Land $121,600 Building $107,000
2025	$9,734.00 (+3.28%)	$228,600 Land $121,600 Building $107,000	$228,600 Land $121,600 Building $107,000
2024	$9,425.00
2023		$228,600 Land $121,600 Building $107,000	$228,600 Land $121,600 Building $107,000
2022	$8,878.00

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

Flood

FEMA maps place 115 Howard Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective May 29, 2024 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 115 Howard Ave 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	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 697 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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