176 S Mountain Ave, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 176 S Mountain Ave, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	6,434 sqft · built 1865
Lot Size	1.1 acres (48,032 sqft)
Owner	2 Individual Names on File
Last Sale	$1,675,000 (Jan 2010)
Tax Bill	$66,642 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00104-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`13-00104-0000-00019`
Alternative APN	`130010400019`

Interior

Stories	3 Stories
Building Area	6,434 sqft Living Area

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Construction Type	Frame
Lot Area	48,032 sqft
Lot Dimensions	316 ft deep x 152 ft wide

Location & Zoning

Old Parcel Number	130010400019
Street Address	176 S MOUNTAIN AVE
City	MONTCLAIR
State	NJ
Zip	07042-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	152X316 IRR
Legal Block	104
Legal Lot Number	19
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2000
Census Tract	16900

Owner

176 S Mountain Ave is owned and occupied by two individuals who bought it in January 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	176 S MOUNTAIN AVE, MONTCLAIR, NJ 07042-1723
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2010 · Amount on File
Deed Sale	Jan 12, 2010 · Amount on File
Prior Sale	May 20, 2002 · Amount on File
Deed Document Number	20103062
Deed Book / Page	12235 / 7222
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	176 S MOUNTAIN AVE, MONTCLAIR, NJ 07042-1723
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021059556
Date	May 11, 2021
Instrument	2021059556

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	12.6%

Tax Assessment & Valuation

The 2025 property tax bill for 176 S Mountain Ave was $66,642, 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		$1,895,400 (-) Land $411,800 Building $1,483,600	$1,895,400 (-) Land $411,800 Building $1,483,600
2025	$66,642.00 (+3.32%)	$1,895,400 Land $411,800 Building $1,483,600	$1,895,400 Land $411,800 Building $1,483,600
2024	$64,500.00
2023		$1,895,400 Land $411,800 Building $1,483,600	$1,895,400 Land $411,800 Building $1,483,600
2022	$62,320.00

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

Flood

FEMA maps place 176 S Mountain Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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	3 in force
Nearby Flood Claims	5 (1979–2023)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Apr 2023 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 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

Wildfire risk around 176 S Mountain 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 94% of the US · lower than 85% 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 194 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20