189 Monroe St, Passaic, NJ 07055 Property Records

Passaic County and Passaic City property record for 189 Monroe St, Passaic, NJ 07055

Property Summary

Property Type	Commercial
Details	10,100 sqft · built 1950
Lot Size	0.115 acres (5,001 sqft)
Owner	Company Name on File
Last Sale	$1,200,000 (Mar 2022)
Tax Bill	$17,458 (2025)
Deeds & Mortgages	Oct 2022 Construction Loan Dec 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-04067-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`07-04067-0000-00004`
Alternative APN	`070406700004`

Interior

Stories	2 Stories
Building Area	10,100 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Construction Type	Brick
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	189 MONROE ST
City	PASSAIC
State	NJ
Zip	07055-6525
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R-3
Legal Block	4067
Legal Lot Number	4
Jurisdiction	PASSAIC NJ
Township / Civil Division	PASSAIC
Census Block Group	1
Census Block	1008
Census Tract	175301

Owner

189 Monroe St, a commercial property, is owned by a company that bought it in March 2022.

Source: Passaic County and Passaic City records, as of October 19, 2026

Owner of Record	Company Name on File
Mailing Address	189 MONROE ST, PASSAIC, NJ 07055-6525
Owner Type	Company
Vesting	Limited Liability Company

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 24, 2022	Deed of Trust, Mortgage · Construction Mortgage VTX ASSETS LLC
Dec 20, 2024	Deed of Trust, Mortgage · Commercial Mortgage WHISPER CAPITAL LLC
Mar 25, 2022	Bargain and Sale Deed, Transfer UNKNOWN, KEY SETTLEMENTS INC
Jan 24, 2020	Grant Deed, Transfer SAGE TITLE AND SETTLEMENT SERVICES, SAGE TITLE & SETTLEMENT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2022 · Amount on File
Deed Sale	Mar 25, 2022 · Amount on File
Prior Sale	Jan 24, 2020 · Amount on File
Deed Document Number	202217414
Deed Book / Page	4274 / 230
Prior Transfer Date	Feb 2, 2011
Prior Transfer Doc	0000011785
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	189 MONROE ST, PASSAIC, NJ 07055-6525
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	UNKNOWN, KEY SETTLEMENTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MONROE ST, PASSAIC, NJ 07055-6525

Mortgage

Document Number	0000050070
Date	Oct 24, 2022
Book Page	M18234/269
Instrument	2022050070

Lender

Name	VTX ASSETS LLC
Type	Non-Lending Institution
Address	GREAT NECK, NY 11021

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 12, 2023

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	189 MONROE ST, PASSAIC, NJ 07055-6525
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	ALLSTATES TITLE SERVICES INC, ALLSTATES TITLE SERVICE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MONROE ST, PASSAIC, NJ 07055-6525

Mortgage

Document Number	0000040274
Date	Dec 20, 2024
Book Page	M19189/127
Instrument	2024040274

Lender

Name	WHISPER CAPITAL LLC
Type	Non-Lending Institution
Address	RANCHO SANTA MARGARITA, CA 92688

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PASSAIC NJ
Recording Date	Mar 25, 2022
Property Address	189 MONROE ST, PASSAIC, NJ 07055-6525
Document Number	0000017414
Book / Page	D4274 / 230
Instrument Date	Mar 2, 2022
Instrument	2022017414
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	UNKNOWN, KEY SETTLEMENTS INC

Transaction

Amount	Amount on Record
Tax	$4,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2060T, PASSAIC, NJ 07055-1893

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MONROE ST, PASSAIC, NJ 07055-6525

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	Jan 24, 2020
Property Address	189 MONROE ST, PASSAIC, NJ 07055-6525
Document Number	0000004493
Book / Page	003738 / 000198
Instrument Date	Nov 1, 2019
Instrument	4493
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	SAGE TITLE AND SETTLEMENT SERVICES, SAGE TITLE & SETTLEMENT SVCS

Transaction

Amount	Amount on Record
Tax	$575.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	189 MONROE ST PASSAIC NJ 070556525, PASSAIC, NJ 07055-6525

Tax Assessment & Valuation

The 2025 property tax bill for 189 Monroe St was $17,458, up 3.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$410,000 (-) Land $100,100 Building $309,900	$410,000 (-) Land $100,100 Building $309,900
2025	$17,458.00 (+3.28%)	$410,000 Land $100,100 Building $309,900	$410,000 Land $100,100 Building $309,900
2024	$16,904.00
2023		$410,000 Land $100,100 Building $309,900	$410,000 Land $100,100 Building $309,900
2022	$15,924.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 189 Monroe St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 189 Monroe St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 532 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

May also be available: AT&T, T-Mobile.

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