20 Howe Ave, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 20 Howe Ave, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	1,948 sqft · built 1912
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$570,000 (Dec 2019)
Tax Bill	$16,778 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-01904-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`13-01904-0000-00007`
Alternative APN	`130190400007`

Interior

Stories	2 Stories
Building Area	1,948 sqft Living Area

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Location & Zoning

Old Parcel Number	130190400007
Street Address	20 HOWE AVE
City	MONTCLAIR
State	NJ
Zip	07042-1650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	75X100
Legal Block	1904
Legal Lot Number	7
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2005
Census Tract	16900

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 HOWE AVE, MONTCLAIR, NJ 07042-1650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAYSHORE MORTGAGE FUNDING LLC
Sep 14, 2021	Deed of Trust, Mortgage · FHA Mortgage BAYSHORE MORTGAGE FUNDING LLC
Aug 5, 2020	Deed of Trust, Mortgage · FHA Mortgage BAYSHORE MTG FNDG
Dec 5, 2019	Grant Deed, Transfer · FHA Mortgage RESIDENTIAL HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2019 · Amount on Record
Deed Sale	Dec 5, 2019 · Amount on Record
Prior Sale	Jan 26, 2007 · Amount on Record
Deed Document Number	2019202019115050
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	20 HOWE AVE, MONTCLAIR, NJ 07042-1650
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000338
Date	Jan 5, 2026
Instrument	2026000338

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	EDGEWOOD, MD 21040

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2046

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	20 HOWE AVE, MONTCLAIR, NJ 07042-1650
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021111939
Date	Sep 14, 2021
Instrument	2021111939

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	20 HOWE AVE, MONTCLAIR, NJ 07042-1650
Document Number	0000077304
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	VESTED LAND SERVICES LLC, VESTED LAND SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HOWE AVE MONTCLAIR NJ 070421650, MONTCLAIR, NJ 07042-1650

Mortgage

Document Number	0000077304
Date	Aug 12, 2020
Instrument	77304

Lender

Name	BAYSHORE MTG FNDG
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Dec 5, 2019
Property Address	20 HOWE AVE, MONTCLAIR, NJ 07042-1650
Document Number	0000115050
Instrument Date	Nov 4, 2019
Instrument	115050
Transaction Type	Transfer
Record Updated	Dec 23, 2019
Title Company	PRESTIGE TITLE, PRESTIGE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HOWE AVE MONTCLAIR NJ 070421650, MONTCLAIR, NJ 07042-1650

Mortgage

Document Number	115053
Date	Dec 5, 2019
Instrument	115053

Lender

Name	RESIDENTIAL HM LNDG
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

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		$477,200 (-) Land $187,600 Building $289,600	$477,200 (-) Land $187,600 Building $289,600
2025	$16,778.00 (+3.32%)	$477,200 (-) Land $187,600 Building $289,600	$477,200 (-) Land $187,600 Building $289,600
2024	$16,239.00 (+3.5%)
2023		$477,200 Land $187,600 Building $289,600	$477,200 Land $187,600 Building $289,600
2022	$15,690.00

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
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

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

Wildfire Risk	Low lower than 95% of the US · lower than 87% 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.

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