20 Gardiner Pl, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 20 Gardiner Pl, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	2,480 sqft · built 1897
Lot Size	0.244 acres (10,626 sqft)
Owner	Individual Name on Record
Tax Bill	$18,297 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-04006-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`13-04006-0000-00009`
Alternative APN	`130400600009`

Interior

Stories	2 Stories
Building Area	2,480 sqft Living Area

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Construction Type	Frame
Lot Area	10,626 sqft (0.244 acres)
Lot Dimensions	154 ft deep x 69 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130400600009
Street Address	20 GARDINER PL
City	MONTCLAIR
State	NJ
Zip	07042-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	69X154 IRR
Legal Block	4006
Legal Lot Number	9
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1005
Census Tract	17200

Historic Designation

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

Historic District	Within the Glen Ridge Historic District listed 1982 · 1,156 contributing resources · NRIS 82004784

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

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 GARDINER PL, MONTCLAIR, NJ 07042-4443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage JOYCE ZINBARG ROSENTHAL
Aug 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 1990
Deed Sale	Apr 27, 1990
Deed Book / Page	5122 / 860
Last Transfer Date	Jul 1, 2021
Transfer Doc	2021094605
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	20 GARDINER PL, MONTCLAIR, NJ 07042-4443
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	TITLE ON DEMAND OF NJ INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000115758
Date	Sep 22, 2021
Instrument	2021115758

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	20 GARDINER PL, MONTCLAIR, NJ 07042-4443
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	TOD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARDINER PLACE, NEW YORK, NY 10003

Mortgage

Document Number	0000069533
Date	Jul 25, 2022
Instrument	2022069533

Lender

Name	JOYCE ZINBARG ROSENTHAL
Type	Private Party
Address	65 E 11TH ST APT 7E, NEW YORK, NY 10003

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 19, 2032

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ESSEX NJ
Recording Date	Aug 3, 2021
Property Address	20 GARDINER PL, MONTCLAIR, NJ 07042-4443
Document Number	2021094605
Instrument Date	Jul 1, 2021
Instrument	2021094605
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	TITLE ON DEMAND/NJ INC, TITLE ON DEMAND OF NJ INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51 N MOUNTAIN AVE APT 2, 51, MONTCLAIR, NJ 07042-2357

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARDINER PL, MONTCLAIR, NJ 07042-4443

Mortgage

Document Number	2021094606
Date	Aug 3, 2021
Instrument	2021094606

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	20 GARDINER PL, MONTCLAIR, NJ 07042-4443
Document Number	0000063574
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	TITLE ON DEMAND/NJ INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 GARDINER PL MONTCLAIR NJ 070424443, MONTCLAIR, NJ 07042-4443

Mortgage

Document Number	0000063574
Date	Jul 10, 2020
Instrument	63574

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

Tax Assessment & Valuation

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		$520,400 (-) Land $196,500 Building $323,900	$520,400 (-) Land $196,500 Building $323,900
2025	$18,297.00 (+16.18%)	$520,400 (+12.45%) Land $196,500 Building $323,900	$520,400 (+12.45%) Land $196,500 Building $323,900
2024	$15,749.00 (+3.5%)
2023		$462,800 Land $196,500 Building $266,300	$462,800 Land $196,500 Building $266,300
2022	$15,216.00

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 September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	33 units insured incl. 6 condo units
Nearby Flood Claims	26 (1995–2024)
Most Recent Claim	Mar 2024 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 4 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 6 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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 563 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

May also be available: T-Mobile.

Nearby Properties on Gardiner Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures