15 Stephen St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 15 Stephen St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	1,188 sqft · built 1952
Lot Size	0.186 acres (8,100 sqft)
Owner	Individual Name on File
Last Sale	$242,500 (Sep 2021)
Tax Bill	$18,241 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-04512-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`13-04512-0000-00011`
Alternative APN	`130451200011`

Interior

Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	8,100 sqft (0.186 acres)
Lot Dimensions	162 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	130451200011
Street Address	15 STEPHEN ST
City	MONTCLAIR
State	NJ
Zip	07042-5031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	50X162 IRR
Legal Block	4512
Legal Lot Number	11
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1006
Census Tract	16500

Owner

15 Stephen St is owned and occupied by an individual who bought it in September 2021.

Source: Essex County and Montclair Township records, as of July 2, 2026

Owner of Record	Individual Name on File
Mailing Address	15 STEPHEN ST, MONTCLAIR, NJ 07042-5031
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 22, 2021	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2021 · Amount on File
Deed Sale	Sep 22, 2021 · Amount on File
Prior Sale	Oct 28, 1996 · Amount on File
Deed Document Number	2021116002
Prior Transfer Date	Jul 26, 2021
Prior Transfer Doc	2021116002
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	15 STEPHEN ST, MONTCLAIR, NJ 07042-5031
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059632
Date	Oct 4, 2023
Instrument	2023059632

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2043

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 22, 2021
Property Address	15 STEPHEN ST, MONTCLAIR, NJ 07042-5031
Document Number	2021116002
Instrument Date	Jul 26, 2021
Instrument	2021116002
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	AMROCK INC, AMROCK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$606.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 SHERMAN CT, 2, BLOOMFIELD, NJ 07003-4705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 STEPHEN ST, MONTCLAIR, NJ 07042-5031

Mortgage

Document Number	2021116003
Date	Sep 22, 2021
Instrument	2021116003

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 15 Stephen St was $18,241, up 3.3% from the year before.

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		$518,800 (-) Land $340,800 Building $178,000	$518,800 (-) Land $340,800 Building $178,000
2025	$18,241.00 (+3.33%)	$518,800 Land $340,800 Building $178,000	$518,800 Land $340,800 Building $178,000
2024	$17,654.00
2023		$518,800 Land $340,800 Building $178,000	$518,800 Land $340,800 Building $178,000
2022	$17,058.00

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

Flood

FEMA maps place 15 Stephen St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	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

Wildfire risk around 15 Stephen 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 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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