Essex County and Montclair Township property record for 130 Central Ave, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 3,212 sqft · built 1924 |
| Lot Size | 0.236 acres (10,267 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $851,000 (Nov 2016) |
| Tax Bill | $31,387 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01606-0000-00005 |
| Primary APN | 13-01606-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,212 sqft Living Area |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Construction Type | Frame |
| Lot Area | 10,267 sqft (0.236 acres) |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130160600005 |
|---|---|
| Street Address | 130 CENTRAL AVE |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-3025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 10269SF |
| Legal Block | 1606 |
| Legal Lot Number | 5 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 16400 |
130 Central Ave is owned and occupied by two individuals who bought it in November 2016.
Source: Essex County and Montclair Township records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 130 CENTRAL AVE, MONTCLAIR, NJ 07042-3025 |
| 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 |
|---|---|
| Sep 24, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CONSTITUTION BK |
| May 8, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2016 · Amount on File |
| Deed Sale | Nov 18, 2016 · Amount on File |
| Prior Sale | Apr 9, 2012 · Amount on File |
| Deed Document Number | 201698899 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Sep 24, 2026 |
| Property Address | 130 CENTRAL AVE, MONTCLAIR, NJ 07042-3025 |
| Document Number | 0000063250 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202663250 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 130 CENTRAL AVE, MONTCLAIR, NJ 07042-3025 |
| Document Number | 0000063250, |
|---|---|
| Date | Sep 24, 2026 |
| Instrument | 202663250 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 22, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 130 CENTRAL AVE, MONTCLAIR, NJ 07042-3025 |
| Document Number | 0000092367 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 130 CENTRAL AVE MONTCLAIR NJ 070423025, MONTCLAIR, NJ 07042-3025 |
| Document Number | 0000092367 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 92367 |
| Name | FIRST CONSTITUTION BK |
|---|---|
| Type | Bank |
| Address | CRANBURY, NJ 08512 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 21, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 130 CENTRAL AVE, MONTCLAIR, NJ 07042-3025 |
| Document Number | 0000046778 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2020 |
| Title Company | ACCURATE GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 130 CENTRAL AVE MONTCLAIR NJ 070423025, MONTCLAIR, NJ 07042-3025 |
| Document Number | 0000046778 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 46778 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 12, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 130 CENTRAL AVE, MONTCLAIR, NJ 07042-3025 |
| Document Number | 0000035072 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 130 CENTRAL AVE WEST CALDWELL NJ 070067744, WEST CALDWELL, NJ 07006-7744 |
| Document Number | 0000035072 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 35072 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 6, 2050 |
The 2025 property tax bill for 130 Central Ave was $31,387, 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 | $892,700 (-) Land $401,300 Building $491,400 | $892,700 (-) Land $401,300 Building $491,400 | |
| 2025 | $31,387.00 (+3.32%) | $892,700 Land $401,300 Building $491,400 | $892,700 Land $401,300 Building $491,400 |
| 2024 | $30,378.00 | ||
| 2023 | $892,700 Land $401,300 Building $491,400 | $892,700 Land $401,300 Building $491,400 | |
| 2022 | $29,351.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 130 Central Ave 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (2011–2021) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 130 Central Ave 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 99.1% of the US · lower than 97.3% 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 347 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 |
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