Essex County and Montclair Township property record for 125 Christopher St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 3,091 sqft · built 1923 |
| Lot Size | 0.248 acres (10,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $940,000 (Mar 2019) |
| Tax Bill | $32,066 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-04403-0000-00010 |
| Primary APN | 13-04403-0000-00010 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,091 sqft Living Area |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 10,800 sqft (0.248 acres) |
| Lot Dimensions | 180 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130440300010 |
|---|---|
| Street Address | 125 CHRISTOPHER ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-4227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 60X180 IRR |
| Legal Block | 4403 |
| Legal Lot Number | 10 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 16500 |
125 Christopher St is owned and occupied by two individuals who bought it in March 2019.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 125 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| 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.
| Date | Document |
|---|---|
| Dec 16, 2022 | Deed of Trust, Mortgage VAST BANK NA |
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA |
| Mar 6, 2019 | Grant Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2019 · Amount on File |
| Deed Sale | Mar 6, 2019 · Amount on File |
| Prior Sale | Jul 21, 1994 · Amount on File |
| Deed Document Number | 201920520 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 125 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 125 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Document Number | 0000107529 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 2022107529 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Amount | Amount on Record |
|---|---|
| Term | 239 Months |
| Due | Nov 15, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 125 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Title Company | INSIGHT TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 2021030393 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 2021030393 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Mar 6, 2019 |
| Property Address | 125 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4227 |
| Document Number | 0000020520 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 20520 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $940.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 125 CHRISTOPHER ST MONTCLAIR NJ 070424227, MONTCLAIR, NJ 07042-4227 |
| Document Number | 20521 |
|---|---|
| Date | Mar 6, 2019 |
| Instrument | 20521 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 5, 2049 |
The 2025 property tax bill for 125 Christopher St was $32,066, up 3.3% from the year before.
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 | $912,000 (-) Land $379,600 Building $532,400 | $912,000 (-) Land $379,600 Building $532,400 | |
| 2025 | $32,066.00 (+3.32%) | $912,000 Land $379,600 Building $532,400 | $912,000 Land $379,600 Building $532,400 |
| 2024 | $31,035.00 | ||
| 2023 | $912,000 Land $379,600 Building $532,400 | $912,000 Land $379,600 Building $532,400 | |
| 2022 | $29,986.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 125 Christopher St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2011.
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.
Wildfire risk around 125 Christopher St 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 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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