Essex County and Montclair Township property record for 147 Christopher St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 3,110 sqft · built 1927 |
| Lot Size | 0.298 acres (12,998 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $850,000 (Oct 2020) |
| Tax Bill | $27,875 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit May 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-04403-0000-00005 |
| Primary APN | 13-04403-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,110 sqft Living Area |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Construction Type | Frame |
| Lot Area | 12,998 sqft (0.298 acres) |
| Lot Dimensions | 200 ft deep x 65 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130440300005 |
|---|---|
| Street Address | 147 CHRISTOPHER ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-4204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 65X200 |
| Legal Block | 4403 |
| Legal Lot Number | 5 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 16500 |
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 | 147 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 27, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 13, 2020 | Grant Deed, Transfer · Conventional with PMI PROSPERITY HM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on Record |
| Deed Sale | Oct 13, 2020 · Amount on Record |
| Prior Sale | Feb 1, 1984 |
| Deed Document Number | 2020100216 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 147 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 147 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4204 |
| Document Number | 0000081490 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 2025081490 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 23, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 147 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4204 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 147 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4204 |
| Document Number | 0000052394 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 2022052394 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Oct 13, 2020 |
| Property Address | 147 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4204 |
| Document Number | 0000100216 |
| Instrument Date | Sep 9, 2020 |
| Instrument | 100216 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 147 CHRISTOPHER ST MONTCLAIR NJ 070424204, MONTCLAIR, NJ 07042-4204 |
| Document Number | 100222 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 100222 |
| Name | PROSPERITY HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2050 |
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 | $792,800 (-) Land $390,000 Building $402,800 | $792,800 (-) Land $390,000 Building $402,800 | |
| 2025 | $27,875.00 (+3.32%) | $792,800 (+3.38%) Land $390,000 Building $402,800 | $792,800 (+3.38%) Land $390,000 Building $402,800 |
| 2024 | $26,978.00 (+6.99%) | ||
| 2023 | $766,900 Land $390,000 Building $376,900 | $766,900 Land $390,000 Building $376,900 | |
| 2022 | $25,215.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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