15 Locust Dr, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 15 Locust Dr, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	3,424 sqft · built 1962
Lot Size	0.509 acres (22,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$886,000 (Jun 2017)
Tax Bill	$35,445 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-01102-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`13-01102-0000-00016`
Alternative APN	`130110200016`

Interior

Stories	2 Stories
Building Area	3,424 sqft Living Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Frame
Lot Area	22,155 sqft (0.509 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130110200016
Street Address	15 LOCUST DR
City	MONTCLAIR
State	NJ
Zip	07042-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	22156SF
Legal Subdivision	PROPERTY /STONEBRIDGE ROAD & E
Legal Block	1102
Legal Lot Number	16
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1016
Census Tract	16900

Owner

Source: Essex County and Montclair Township records, as of August 13, 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	15 LOCUST DR, MONTCLAIR, NJ 07042-1608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 17, 2019	Deed of Trust, Mortgage MORGAN STANLEY PVT BK NA
Apr 18, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA
Jun 12, 2017	Grant Deed, Transfer MORGAN STANLEY PVT BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Prior Sale	Jan 10, 1994 · Amount on Record
Deed Document Number	201751054
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Recording Date	Jul 27, 2026
Property Address	15 LOCUST DR, MONTCLAIR, NJ 07042-1608
Document Number	0000049248
Instrument Date	Jul 17, 2026
Instrument	202649248
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LOCUST DR, MONTCLAIR, NJ 07042-1608

Mortgage

Document Number	0000049248,
Date	Jul 27, 2026
Instrument	202649248

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 21, 2051

Interest

Rate	6.47%
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	15 LOCUST DR, MONTCLAIR, NJ 07042-1608
Document Number	0000039170
Instrument Date	Apr 17, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 LOCUST DR MONTCLAIR NJ 070421608, MONTCLAIR, NJ 07042-1608

Mortgage

Document Number	0000039170
Date	Apr 29, 2019
Instrument	39170

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.85%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	15 LOCUST DR, MONTCLAIR, NJ 07042-1608
Document Number	0000038154
Instrument Date	Apr 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LOCUST DR MONTCLAIR NJ 070421608, MONTCLAIR, NJ 07042-1608

Mortgage

Document Number	0000038154
Date	May 2, 2018
Instrument	38154

Lender

Name	CITIZENS BK/PA
Type	Bank
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2043

Interest

Rate Type	Adjustable Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jun 12, 2017
Property Address	15 LOCUST DR, MONTCLAIR, NJ 07042-1608
Document Number	0000051054
Instrument Date	Jun 5, 2017
Instrument	51054
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	EVIDENT TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$886.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 LOCUST DR MONTCLAIR NJ 070421608, MONTCLAIR, NJ 07042-1608

Mortgage

Document Number	51070
Date	Jun 12, 2017
Instrument	51070

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2047

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		$1,008,100 (-) Land $354,300 Building $653,800	$1,008,100 (-) Land $354,300 Building $653,800
2025	$35,445.00 (+3.32%)	$1,008,100 (-) Land $354,300 Building $653,800	$1,008,100 (-) Land $354,300 Building $653,800
2024	$34,305.00 (+3.5%)
2023		$1,008,100 Land $354,300 Building $653,800	$1,008,100 Land $354,300 Building $653,800
2022	$33,146.00

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	5 in force
Nearby Flood Claims	4 (1994–2021)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims

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 94% of the US · lower than 83% 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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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