181 McCosh Rd, Montclair, NJ 07043 Property Records

Passaic County and Clifton City property record for 181 McCosh Rd, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	1,942 sqft · built 1923
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Dec 2009)
Tax Bill	$12,086 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00074-03-00017`

Property Details

APN / Parcel Number

Primary APN	`02-00074-03-00017`
Alternative APNs	`0200074000300017` `0200074300017`

Interior

Stories	1 Story
Building Area	1,942 sqft Living Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	125 ft deep x 66 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	0200074300017
Street Address	181 MCCOSH RD
City	MONTCLAIR
State	NJ
Zip	07043-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A1
Legal Block	74.3
Legal Lot Number	17
Jurisdiction	PASSAIC NJ
Township / Civil Division	CLIFTON
Census Block Group	3
Census Block	3009
Census Tract	124312

Owner

Source: Passaic County and Clifton City records, as of July 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	181 MCCOSH RD, MONTCLAIR, NJ 07043-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2009 · Amount on Record
Deed Sale	Dec 28, 2009 · Amount on Record
Deed Document Number	200970198
Deed Book / Page	1864 / 139
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	181 MCCOSH RD, MONTCLAIR, NJ 07043-2105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 MCCOSH RD, MONTCLAIR, NJ 07043-2105

Mortgage

Document Number	0000064408
Date	Dec 10, 2020
Book Page	M16659/294
Instrument	2020064408

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	268 Months
Due	Apr 1, 2043

Tax Assessment & Valuation

Source: Passaic County and Clifton City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Clifton City
Unified School District	Clifton City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$197,200 (-) Land $118,400 Building $78,800	$197,200 (-) Land $118,400 Building $78,800
2025	$12,086.00 (+3.25%)	$197,200 (-) Land $118,400 Building $78,800	$197,200 (-) Land $118,400 Building $78,800
2024	$11,706.00 (+3.96%)
2023		$197,200 Land $118,400 Building $78,800	$197,200 Land $118,400 Building $78,800
2022	$11,260.00

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 May 29, 2024 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	34 (1979–2021)
Claims Outside the SFHA	10 of 34
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 7 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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 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	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 196 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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