188 Harrison Ave, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 188 Harrison Ave, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	2,050 sqft · built 1909
Lot Size	0.158 acres (6,875 sqft)
Owner	Individual Name on File
Tax Bill	$12,278 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-01903-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`13-01903-0000-00015`
Alternative APN	`130190300015`

Interior

Stories	2 Stories
Building Area	2,050 sqft Living Area

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Construction Type	Frame
Lot Area	6,875 sqft (0.158 acres)
Lot Dimensions	125 ft deep x 55 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130190300015
Street Address	188 HARRISON AVE
City	MONTCLAIR
State	NJ
Zip	07042-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	55X125 IRR
Legal Block	1903
Legal Lot Number	15
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2005
Census Tract	16900

Owner

188 Harrison Ave is owned and occupied by an individual who acquired it in September 1988.

Source: Essex County and Montclair Township records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	188 HARRISON AVE, MONTCLAIR, NJ 07042-1648
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
Jun 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROPONENT FCU
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN HM MTG
Apr 15, 2008	Deed of Trust, Mortgage · Line of Credit WACHOVIA BK/SC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 1988
Deed Sale	Sep 2, 1988
Prior Sale	Jul 28, 1988
Deed Book / Page	5042 / 732
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	188 HARRISON AVE, MONTCLAIR, NJ 07042-1648
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034332
Date	Jun 7, 2023
Instrument	2023034332

Lender

Name	PROPONENT FCU
Type	Credit Union
Address	NUTLEY, NJ 07110

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 15, 2043

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	188 HARRISON AVE, MONTCLAIR, NJ 07042-1648
Document Number	0000087703
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 HARRISON AVE MONTCLAIR NJ 070421648, MONTCLAIR, NJ 07042-1648

Mortgage

Document Number	0000087703
Date	Sep 10, 2020
Instrument	87703

Lender

Name	MERIDIAN HM MTG
Type	Mortgage Company
Address	WESTMINSTER, MD 21157

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	188 HARRISON AVE, MONTCLAIR, NJ 07042-1648
Document Number	0000018759
Instrument Date	Apr 15, 2008
Transaction Type	Mortgage
Record Updated	Apr 10, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	188 HARRISON AVE MONTCLAIR NJ 070421648, MONTCLAIR, NJ 07042-1648

Mortgage

Document Number	0000018759
Date	Mar 1, 2018
Instrument	18759

Lender

Name	WACHOVIA BK/SC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 28, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 188 Harrison Ave was $12,278, 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		$349,200 (-) Land $166,700 Building $182,500	$349,200 (-) Land $166,700 Building $182,500
2025	$12,278.00 (+3.32%)	$349,200 Land $166,700 Building $182,500	$349,200 Land $166,700 Building $182,500
2024	$11,883.00
2023		$349,200 Land $166,700 Building $182,500	$349,200 Land $166,700 Building $182,500
2022	$11,481.00

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

Flood

FEMA maps place 188 Harrison 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 188 Harrison 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 98% of the US · lower than 94% 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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