20 Prospect Ave, Montclair, NJ 07042 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4,453 sqft · built 1917
Lot Size	0.375 acres (16,320 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Oct 2020)
Tax Bill	$39,355 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00406-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`13-00406-0000-00005`
Alternative APN	`130040600005`

Interior

Stories	2 Stories
Building Area	4,453 sqft Living Area

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Construction Type	Frame
Lot Area	16,320 sqft (0.375 acres)
Lot Dimensions	170 ft deep x 96 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130040600005
Street Address	20 PROSPECT AVE
City	MONTCLAIR
State	NJ
Zip	07042-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	96X170 IRR
Legal Block	406
Legal Lot Number	5
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	4
Census Block	4009
Census Tract	16400

Historic Designation

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

Historic District	Within the Mountain District listed 1988 · 144 contributing resources · NRIS 86002970

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

Owner

20 Prospect Ave is owned and occupied by two individuals who bought it in October 2020.

Source: Essex County and Montclair Township records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 PROSPECT AVE, MONTCLAIR, NJ 07042-1915
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2020 · Amount on File
Deed Sale	Oct 2, 2020 · Amount on File
Prior Sale	Oct 27, 2003 · Amount on File
Deed Document Number	202097269
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Oct 2, 2020
Property Address	20 PROSPECT AVE, MONTCLAIR, NJ 07042-1915
Document Number	0000097269
Instrument Date	Sep 9, 2020
Instrument	97269
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NJ NY GLOBALSERVE TITLE AGENCY C, NJ NY GLOBALSERVE TITLE AGCY C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 PROSPECT AVE MONTCLAIR NJ 070421915, MONTCLAIR, NJ 07042-1915

Mortgage

Document Number	97270
Date	Oct 2, 2020
Instrument	97270

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 20 Prospect Ave was $39,355, 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		$1,119,300 (-) Land $482,200 Building $637,100	$1,119,300 (-) Land $482,200 Building $637,100
2025	$39,355.00 (+3.32%)	$1,119,300 Land $482,200 Building $637,100	$1,119,300 Land $482,200 Building $637,100
2024	$38,089.00
2023		$1,119,300 Land $482,200 Building $637,100	$1,119,300 Land $482,200 Building $637,100
2022	$36,802.00

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

Flood

FEMA maps place 20 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	4 in force
Nearby Flood Claims	3 (1978–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jan 2024 · other causes

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 20 Prospect 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 97% of the US · lower than 92% 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 329 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20