189 Thomas St, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 189 Thomas St, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	1,751 sqft · built 1891
Lot Size	0.167 acres (7,279 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Aug 2016)
Tax Bill	$13,345 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2025 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-00224-0000-00020`

Property Details

APN / Parcel Number

Primary APN	`02-00224-0000-00020`
Alternative APN	`020022400020`

Interior

Stories	1 Story
Building Area	1,751 sqft Living Area
1st Floor Area	1,751 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Lot Area	7,279 sqft (0.167 acres)
Lot Dimensions	182 ft deep x 40 ft wide

Location & Zoning

Old Parcel Number	020022400020
Street Address	189 THOMAS ST
City	BLOOMFIELD
State	NJ
Zip	07003-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	40 X 182
Legal Block	224
Legal Lot Number	20
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	4
Census Block	4000
Census Tract	15600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Glen Ridge Historic District (Boundary Increase) listed 1988 · 510 contributing resources · NRIS 88002155

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

189 Thomas St is owned and occupied by two individuals who bought it in August 2016.

Source: Essex County and Bloomfield Township 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	2 Individual Names on File
Mailing Address	189 THOMAS ST, BLOOMFIELD, NJ 07003-2504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jun 10, 2021	Deed of Trust, Mortgage · Line of Credit INVESTORS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2016 · Amount on File
Deed Sale	Aug 15, 2016 · Amount on File
Prior Sale	Dec 7, 2015 · Amount on File
Deed Document Number	201669652
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Recording Date	Jun 22, 2026
Property Address	189 THOMAS ST, BLOOMFIELD, NJ 07003-2504
Document Number	0000041100
Instrument Date	Jun 15, 2026
Instrument	202641100
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SILK TITLE UTAH LLC, SILK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 THOMAS ST, BLOOMFIELD, NJ 07003-2504

Mortgage

Document Number	0000041100,
Date	Jun 22, 2026
Instrument	202641100

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	189 THOMAS ST, BLOOMFIELD, NJ 07003-2504
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 THOMAS ST, BLOOMFIELD, NJ 07003-2504

Mortgage

Document Number	0000078986
Date	Dec 17, 2025
Instrument	2025078986

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	189 THOMAS ST, BLOOMFIELD, NJ 07003-2504
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072131
Date	Jun 10, 2021
Instrument	2021072131

Lender

Name	INVESTORS BANK
Type	Bank
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 10, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 189 Thomas St was $13,345, up 2.9% from the year before.

Source: Essex County and Bloomfield Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Bloomfield Township
Unified School District	Bloomfield Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$382,500 (-) Land $144,600 Building $237,900	$382,500 (-) Land $144,600 Building $237,900
2025	$13,345.00 (+2.86%)	$382,500 Land $144,600 Building $237,900	$382,500 Land $144,600 Building $237,900
2024	$12,974.00
2023		$382,500 Land $144,600 Building $237,900	$382,500 Land $144,600 Building $237,900
2022	$12,247.00

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

Flood

FEMA maps place 189 Thomas St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 65 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	65 in force
Nearby Flood Claims	95 (1981–2024)
Claims Outside the SFHA	5 of 95
Most Recent Claim	Aug 2024 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 23 claims Hurricane Irene, Aug 2011 · 22 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 26 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

The area around 189 Thomas 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	BLOOMFIELD WATER DEPARTMENT serves 53,315 people · EPA ID NJ0702001
Water Source	Purchased surface water from NEWARK WATER DEPARTMENT
Last State Inspection	Sep 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2024 Treatment failure resolved · Nov 2020 Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jul 2022 Lead service line replacement Jan 2022
Monitoring and Reporting	5 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 444 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: T-Mobile.

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