12 Windermere Rd, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 12 Windermere Rd, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	1,794 sqft · built 1931
Lot Size	0.218 acres (9,509 sqft)
Owner	2 Individual Names on File
Last Sale	$1,175,000 (Sep 2023)
Tax Bill	$22,038 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03706-0000-00087`

Property Details

APN / Parcel Number

Primary APN	`13-03706-0000-00087`
Alternative APN	`130370600087`

Interior

Stories	2 Stories
Building Area	1,794 sqft Living Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Construction Type	Frame
Lot Area	9,509 sqft (0.218 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130370600087
Street Address	12 WINDERMERE RD
City	MONTCLAIR
State	NJ
Zip	07043-2544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	9510SF
Legal Subdivision	MONTCLAIR BUILDERS INC
Legal Block	3706
Legal Lot Number	87
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2000
Census Tract	16200

Owner

12 Windermere Rd is owned and occupied by two individuals who bought it in September 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	12 WINDERMERE RD, MONTCLAIR, NJ 07043-2544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Sep 6, 2023	Deed, Transfer · Conventional Mortgage HARBORONE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Prior Sale	Aug 3, 2007 · Amount on File
Deed Document Number	202353477
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	12 WINDERMERE RD, MONTCLAIR, NJ 07043-2544
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WINDERMERE RD, MONTCLAIR, NJ 07043-2544

Mortgage

Document Number	0000146074
Date	Dec 10, 2021
Instrument	2021146074

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2051

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 6, 2023
Property Address	12 WINDERMERE RD, MONTCLAIR, NJ 07043-2544
Document Number	0000053477
Instrument Date	Aug 25, 2023
Instrument	2023053477
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	EVIDENT TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 KENNETH RD, MONTCLAIR, NJ 07043-2541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WINDERMERE RD, MONTCLAIR, NJ 07043-2544
Investor	Possibly a Property Investor

Mortgage

Document Number	0000053478
Date	Sep 6, 2023
Instrument	2023053478

Lender

Name	HARBORONE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 12 Windermere Rd was $22,038, 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		$626,800 (-) Land $357,600 Building $269,200	$626,800 (-) Land $357,600 Building $269,200
2025	$22,038.00 (+3.32%)	$626,800 Land $357,600 Building $269,200	$626,800 Land $357,600 Building $269,200
2024	$21,330.00
2023		$626,800 (-) Land $357,600 Building $269,200	$626,800 (-) Land $357,600 Building $269,200
2022	$20,609.00 (+1.77%)	$626,800 Land $357,600 Building $269,200	$626,800 Land $357,600 Building $269,200
2021	$20,251.00

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

Flood

FEMA maps place 12 Windermere Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1978–2021)
Claims Outside the SFHA	9 of 15
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 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

Wildfire risk around 12 Windermere Rd 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 96% of the US · lower than 89% 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.

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 459 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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