Essex County and Montclair Township property record for 126 Christopher St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 2,253 sqft · built 1923 |
| Lot Size | 0.251 acres (10,948 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $866,000 (Aug 2018) |
| Tax Bill | $25,660 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-04402-0000-00027 |
| Primary APN | 13-04402-0000-00027 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,253 sqft Living Area |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Construction Type | Frame |
| Lot Area | 10,948 sqft (0.251 acres) |
| Lot Dimensions | 161 ft deep x 68 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130440200027 |
|---|---|
| Street Address | 126 CHRISTOPHER ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-4229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 68X161 IRR |
| Legal Block | 4402 |
| Legal Lot Number | 27 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 16500 |
126 Christopher St is owned and occupied by two individuals who bought it in August 2018.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 126 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| 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 |
|---|---|
| May 6, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Mar 7, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Mar 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Aug 21, 2019 | Deed of Trust, Mortgage WELLS FARGO BK |
| Aug 22, 2018 | Grant Deed, Transfer WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2018 · Amount on File |
| Deed Sale | Aug 22, 2018 · Amount on File |
| Prior Sale | Nov 16, 1983 · Amount on File |
| Deed Document Number | 201873536 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | May 6, 2026 |
| Property Address | 126 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000030442 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 202630442 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ACCURATE GROUP |
| Name | Verified Name |
|---|---|
| Address | 126 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000030442, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 202630442 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 3, 2051 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 126 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2024 |
| Name | Verified Name |
|---|---|
| Address | 126 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000013395 |
|---|---|
| Date | Mar 7, 2024 |
| Instrument | 2024013395 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 126 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | ATLANTIC TITLE AND ESCROW SERVICES L, ATLANTIC TTL & SETMNT SVC LL |
| Name | Verified Name |
|---|
| Document Number | 2021032306 |
|---|---|
| Date | Mar 17, 2021 |
| Instrument | 2021032306 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 126 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000090591 |
| Instrument Date | Aug 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2019 |
| Title Company | PRO NATIONAL TITLE AGENCY, PRO NAT'L TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 126 CHRISTOPHER ST MONTCLAIR NJ 070424229, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000090591 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 90591 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 24, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Aug 22, 2018 |
| Property Address | 126 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4229 |
| Document Number | 0000073536 |
| Instrument Date | Jul 25, 2018 |
| Instrument | 73536 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $866.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 126 CHRISTOPHER ST MONTCLAIR NJ 070424229, MONTCLAIR, NJ 07042-4229 |
| Document Number | 73537 |
|---|---|
| Date | Aug 22, 2018 |
| Instrument | 73537 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 21, 2048 |
The 2025 property tax bill for 126 Christopher St was $25,660, 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 | $729,800 (-) Land $391,300 Building $338,500 | $729,800 (-) Land $391,300 Building $338,500 | |
| 2025 | $25,660.00 (+3.32%) | $729,800 Land $391,300 Building $338,500 | $729,800 Land $391,300 Building $338,500 |
| 2024 | $24,835.00 | ||
| 2023 | $729,800 Land $391,300 Building $338,500 | $729,800 Land $391,300 Building $338,500 | |
| 2022 | $23,995.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 126 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 126 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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