Essex County and Verona Township property record for 21 Howard St, Verona, NJ 07044
| Property Type | Single Family Home |
|---|---|
| Details | 1,988 sqft · built 1950 |
| Lot Size | 0.158 acres (6,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Aug 2018) |
| Tax Bill | $14,610 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-02106-0000-00002 |
| Primary APN | 20-02106-0000-00002 |
|---|---|
| Alternative APN |
|
| Building Area | 1,988 sqft Living Area |
|---|
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 6,897 sqft (0.158 acres) |
| Lot Dimensions | 114 ft deep x 60 ft wide |
| Old Parcel Number | 2000108000000002 |
|---|---|
| Street Address | 21 HOWARD ST |
| City | VERONA |
| State | NJ |
| Zip | 07044-1411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 60X114.95 IRR |
| Legal Subdivision | TOWNSHIP/VERONA |
| Legal Block | 2106 |
| Legal Lot Number | 2 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | VERONA |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 21200 |
21 Howard St is owned and occupied by two individuals who bought it in August 2018.
Source: Essex County and Verona Township records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 HOWARD ST, VERONA, NJ 07044-1411 |
| 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.
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Line of Credit EVERETT FINANCIAL INC |
| Sep 1, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Dec 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC |
| Nov 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOWER |
| Nov 19, 2019 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Aug 17, 2018 | Grant Deed, Transfer · Conventional with PMI JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2018 · Amount on File |
| Deed Sale | Aug 17, 2018 · Amount on File |
| Deed Document Number | 201872154 |
| Prior Transfer Date | Jul 31, 2018 |
| Prior Transfer Doc | 2018072155 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jul 6, 2026 |
| Property Address | 21 HOWARD ST, VERONA, NJ 07044-1411 |
| Document Number | 0000043985 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202643985 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 21 HOWARD ST, VERONA, NJ 07044-1411 |
| Document Number | 0000043985, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 202643985 |
| Name | EVERETT FINANCIAL INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 24, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 21 HOWARD ST, VERONA, NJ 07044-1411 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0000052873 |
|---|---|
| Date | Sep 1, 2023 |
| Instrument | 2023052873 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 21 HOWARD ST, VERONA, NJ 07044-1411 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000142584 |
|---|---|
| Date | Dec 2, 2021 |
| Instrument | 2021142584 |
| Name | MILLENNIAL HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CHATSWORTH, CA 91311 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 21 HOWARD ST, VERONA, NJ 07044-1411 |
| Document Number | 0000115238 |
| Instrument Date | Nov 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Title Company | MEYMAX TITLE AGENCY/OH LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 HOWARD ST VERONA NJ 070441411, VERONA, NJ 07044-1411 |
| Document Number | 0000115238 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 115238 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 21 HOWARD ST, VERONA, NJ 07044-1411 |
| Document Number | 0000115239 |
| Instrument Date | Nov 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Title Company | MEYMAX TITLE AGENCY/OH LLC |
| Name | Verified Name |
|---|---|
| Address | 21 HOWARD ST VERONA NJ 070441411, VERONA, NJ 07044-1411 |
| Document Number | 0000115239 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 115239 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Aug 17, 2018 |
| Property Address | 21 HOWARD ST, VERONA, NJ 07044-1411 |
| Document Number | 0000072154 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 72154 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 HOWARD ST VERONA NJ 070441411, VERONA, NJ 07044-1411 |
| Document Number | 72155 |
|---|---|
| Date | Aug 17, 2018 |
| Instrument | 72155 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 16, 2048 |
The 2025 property tax bill for 21 Howard St was $14,610, up 2.6% from the year before.
Source: Essex County and Verona Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Verona Township |
| Unified School District | Verona Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $748,200 (+62.09%) Land $400,700 Building $347,500 | $748,200 (+62.09%) Land $400,700 Building $347,500 | |
| 2025 | $14,610.00 (+2.57%) | $461,600 Land $248,800 Building $212,800 | $461,600 Land $248,800 Building $212,800 |
| 2024 | $14,244.00 | ||
| 2023 | $461,600 Land $248,800 Building $212,800 | $461,600 Land $248,800 Building $212,800 | |
| 2022 | $13,815.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Howard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020
| 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 risk around 21 Howard St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VERONA WATER DEPARTMENT serves 13,641 people · EPA ID NJ0720001 |
|---|---|
| Water Source | Purchased surface water from PASSAIC VALLEY WATER COMMISSION |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 40 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.
Source: FCC Broadband Data Collection, based on 588 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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