Essex County and Montclair Township property record for 124 Christopher St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 2,880 sqft · built 1923 |
| Lot Size | 0.244 acres (10,626 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,500,000 (Jun 2025) |
| Tax Bill | $37,097 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-04402-0000-00026 |
| Primary APN | 13-04402-0000-00026 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,880 sqft Living Area |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Construction Type | Frame |
| Lot Area | 10,626 sqft (0.244 acres) |
| Lot Dimensions | 161 ft deep x 66 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130440200026 |
|---|---|
| Street Address | 124 CHRISTOPHER ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-4229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 66X161 IRR |
| Legal Subdivision | TOWNSHIP/MONTCLAIR |
| Legal Block | 4402 |
| Legal Lot Number | 26 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 16500 |
Source: Essex County and Montclair Township records, as of August 21, 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 | 124 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 26, 2023 | Bargain and Sale Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Aug 24, 2022 | Deed, Transfer · Commercial Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2025 · Amount on Record |
| Deed Sale | Jun 24, 2025 · Amount on Record |
| Prior Sale | Jul 26, 2023 · Amount on Record |
| Deed Document Number | 202539405 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jul 26, 2023 |
| Property Address | 124 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000044427 |
| Instrument Date | Jun 5, 2023 |
| Instrument | 2023044427 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2023 |
| Title Company | HERITAGE ABSTRACT COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,765.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8 HILLCREST AVE, CLIFTON, NJ 07013-2628 |
| Name | Verified Name |
|---|---|
| Address | 124 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000044429 |
|---|---|
| Date | Jul 26, 2023 |
| Instrument | 2023044429 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Jul 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.8% |
| Max Rate | 10.8% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Aug 24, 2022 |
| Property Address | 124 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000078568 |
| Instrument Date | Aug 9, 2022 |
| Instrument | 2022078568 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Title Company | PERFECT TITLE, PERFECT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 124 CHRISTOPHER ST, 124, MONTCLAIR, NJ 07042-4229 |
| Name | Verified Name |
|---|---|
| Address | 124 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000078569 |
|---|---|
| Date | Aug 24, 2022 |
| Instrument | 2022078569 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Sep 1, 2023 |
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 | $1,055,100 (-) Land $496,000 Building $559,100 | $1,055,100 (-) Land $496,000 Building $559,100 | |
| 2025 | $37,097.00 (+3.32%) | $1,055,100 (+69.44%) Land $496,000 Building $559,100 | $1,055,100 (+69.44%) Land $496,000 Building $559,100 |
| 2024 | $35,905.00 (+41.48%) | ||
| 2023 | $622,700 (-20.12%) Land $496,000 Building $126,700 | $622,700 (-20.12%) Land $496,000 Building $126,700 | |
| 2022 | $25,379.00 (+6.03%) Widower's exemption | $779,500 Land $496,000 Building $283,500 | $779,500 Land $496,000 Building $283,500 |
| 2021 | $23,935.00 |
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 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 461 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 |
| AT&T Fixed Wireless | 100 / 20 |
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