21 Stephen St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 21 Stephen St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	2,448 sqft · built 1931
Lot Size	0.201 acres (8,748 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Jan 2020)
Tax Bill	$23,040 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-04512-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`13-04512-0000-00008`
Alternative APN	`130451200008`

Interior

Stories	2 Stories
Building Area	2,448 sqft Living Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Construction Type	Frame
Lot Area	8,748 sqft (0.201 acres)
Lot Dimensions	162 ft deep x 54 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130451200008
Street Address	21 STEPHEN ST
City	MONTCLAIR
State	NJ
Zip	07042-5031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	54X162 IRR
Legal Block	4512
Legal Lot Number	8
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1006
Census Tract	16500

Owner

21 Stephen St is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 STEPHEN ST, MONTCLAIR, NJ 07042-5031
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

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jan 28, 2020	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2020 · Amount on File
Deed Sale	Jan 28, 2020 · Amount on File
Deed Document Number	20209941
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	21 STEPHEN ST, MONTCLAIR, NJ 07042-5031
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	SERVICE TITLE, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062585
Date	Oct 3, 2025
Instrument	2025062585

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jan 28, 2020
Property Address	21 STEPHEN ST, MONTCLAIR, NJ 07042-5031
Document Number	0000009941
Instrument Date	Jan 7, 2020
Instrument	9941
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	FOUNDATION TITLE LLC - ROSELA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$655.00
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	21 STEPHEN ST MONTCLAIR NJ 070425031, MONTCLAIR, NJ 07042-5031

Mortgage

Document Number	9948
Date	Jan 28, 2020
Instrument	9948

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 21 Stephen St was $23,040, 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		$655,300 (-) Land $344,100 Building $311,200	$655,300 (-) Land $344,100 Building $311,200
2025	$23,040.00 (+3.32%)	$655,300 Land $344,100 Building $311,200	$655,300 Land $344,100 Building $311,200
2024	$22,299.00
2023		$655,300 Land $344,100 Building $311,200	$655,300 Land $344,100 Building $311,200
2022	$21,224.00

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

Flood

FEMA maps place 21 Stephen St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 21 Stephen 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 96% of the US · lower than 89% 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 548 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: Optimum, T-Mobile.

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