14 Stephen St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 14 Stephen St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	2,961 sqft · built 1952
Lot Size	0.186 acres (8,102 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Dec 2016)
Tax Bill	$25,600 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-04511-0000-00024`

Property Details

APN / Parcel Number

Primary APN	`13-04511-0000-00024`
Alternative APN	`130451100024`

Interior

Stories	1 Story
Building Area	2,961 sqft Living Area
1st Floor Area	2,961 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	162 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	130451100024
Street Address	14 STEPHEN ST
City	MONTCLAIR
State	NJ
Zip	07042-5032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	50X162
Legal Block	4511
Legal Lot Number	24
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1005
Census Tract	16500

Owner

Source: Essex County and Montclair Township records, as of July 2, 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	14 STEPHEN ST, MONTCLAIR, NJ 07042-5032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Feb 26, 2020	Deed of Trust, Mortgage · Conventional with PMI INVESTORS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2016 · Amount on Record
Deed Sale	Dec 29, 2016 · Amount on Record
Prior Sale	Jan 26, 2004 · Amount on Record
Deed Document Number	2016112546
Prior Transfer Date	Nov 17, 2011
Prior Transfer Doc	0011090094
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	14 STEPHEN ST, MONTCLAIR, NJ 07042-5032
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064374
Date	Jul 8, 2022
Instrument	2022064374

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	14 STEPHEN ST, MONTCLAIR, NJ 07042-5032
Document Number	0000027069
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 STEPHEN ST MONTCLAIR NJ 070425032, MONTCLAIR, NJ 07042-5032

Mortgage

Document Number	0000027069
Date	Mar 10, 2020
Instrument	27069

Lender

Name	INVESTORS BK
Type	Bank
Address	MILLBURN, NJ 07041

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 2050

Tax Assessment & Valuation

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		$728,100 (-) Land $340,500 Building $387,600	$728,100 (-) Land $340,500 Building $387,600
2025	$25,600.00 (+65.92%)	$728,100 (+60.59%) Land $340,500 Building $387,600	$728,100 (+60.59%) Land $340,500 Building $387,600
2024	$15,429.00 (+3.5%)
2023		$453,400 Land $340,500 Building $112,900	$453,400 Land $340,500 Building $112,900
2022	$14,907.00

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

Flood

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	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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

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

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Optimum, T-Mobile.

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