225 Prospect St, Nutley, NJ 07110 Property Records

Essex County and Nutley Township property record for 225 Prospect St, Nutley, NJ 07110

Property Summary

Property Type	Single Family Home
Details	2,178 sqft · built 1946
Lot Size	0.144 acres (6,262 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jan 2017)
Tax Bill	$15,676 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Mar 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`16-07801-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`16-07801-0000-00018`
Alternative APN	`1600095000000016`

Interior

Building Area	2,178 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	6,262 sqft (0.144 acres)
Lot Dimensions	101 ft deep x 62 ft wide

Location & Zoning

Old Parcel Number	1600095000000016
Street Address	225 PROSPECT ST
City	NUTLEY
State	NJ
Zip	07110-2653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	62X101 IRR
Legal Subdivision	TOWNSHIP/NUTLEY
Legal Block	7801
Legal Lot Number	18
Jurisdiction	ESSEX NJ
Township / Civil Division	NUTLEY
Census Block Group	1
Census Block	1000
Census Tract	13900

Owner

Source: Essex County and Nutley 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	2 Individual Names on Record
Mailing Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Mar 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MORTGAGE LLC
Jun 15, 2021	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MORTGAGE LLC
Feb 3, 2020	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Oct 25, 2019	Deed of Trust, Mortgage · Conventional with PMI BOND STREET MTG
Jul 5, 2017	Deed of Trust, Mortgage · Line of Credit GARDEN SVGS FCU
May 26, 2017	Deed of Trust, Mortgage RESIDENTIAL HM FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2017 · Amount on Record
Deed Sale	Jan 7, 2017 · Amount on Record
Prior Sale	Dec 12, 2016 · Amount on Record
Deed Document Number	201749550
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653

Mortgage

Document Number	0000076657
Date	Dec 26, 2023
Instrument	2023076657

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	ATLANTIC TITLE AND ESCROW SERVICES L, ATLANTIC TTL & STLMT SVC LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032965
Date	Mar 31, 2022
Instrument	2022032965

Lender

Name	BOND STREET MORTGAGE LLC
Type	Mortgage Company
Address	PARAMUS, NJ 07652

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	ATLANTIC TITLE AND ESCROW SERVICES L, ATLANTIC TTL & SETMNT SVC LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021073885
Date	Jun 15, 2021
Instrument	2021073885

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	ATLANTIC TTL & SETMNT SVC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021038307
Date	Mar 29, 2021
Instrument	2021038307

Lender

Name	BOND STREET MORTGAGE LLC
Type	Mortgage Company
Address	PARAMUS, NJ 07652

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Document Number	0000014843
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 PROSPECT ST NUTLEY NJ 071102653, NUTLEY, NJ 07110-2653

Mortgage

Document Number	0000014843
Date	Feb 7, 2020
Instrument	14843

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2050

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Document Number	0000104852
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	ATLANTIC TITLE AND SETTLEMENT SV, ATLANTIC TITLE & SETTLEMENT SV

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 PROSPECT ST NUTLEY NJ 071102653, NUTLEY, NJ 07110-2653

Mortgage

Document Number	0000104852
Date	Nov 4, 2019
Instrument	104852

Lender

Name	BOND STREET MTG
Type	Mortgage Company
Address	PARAMUS, NJ 07652

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Document Number	0000061344
Instrument Date	Jul 5, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 PROSPECT ST NUTLEY NJ 071102653, NUTLEY, NJ 07110-2653

Mortgage

Document Number	0000061344
Date	Jul 14, 2017
Instrument	61344

Lender

Name	GARDEN SVGS FCU
Type	Credit Union
Address	PARSIPPANY, NJ 07054

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2047

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	225 PROSPECT ST, NUTLEY, NJ 07110-2653
Document Number	0000049551
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 PROSPECT ST NUTLEY NJ 071102653, NUTLEY, NJ 07110-2653

Mortgage

Document Number	0000049551
Date	Jun 7, 2017
Instrument	49551

Lender

Name	RESIDENTIAL HM FNDG
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2047

Tax Assessment & Valuation

Source: Essex County and Nutley Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Nutley Township
Unified School District	Nutley Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$580,800 (-) Land $192,500 Building $388,300	$580,800 (-) Land $192,500 Building $388,300
2025	$15,676.00 (+2.55%)	$580,800 (+28.52%) Land $192,500 Building $388,300	$580,800 (+28.52%) Land $192,500 Building $388,300
2024	$15,286.00 (+18.3%)
2023		$451,900 Land $192,500 Building $259,400	$451,900 Land $192,500 Building $259,400
2022	$12,921.00

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	41 (1978–2021)
Claims Outside the SFHA	3 of 41
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 13 claims Hurricane Irene, Aug 2011 · 12 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 8 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	Not rated no burnable land within 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	NUTLEY WATER DEPT serves 29,500 people · EPA ID NJ0716001
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jan 2025 Coliform assessment Oct 2023
Monitoring and Reporting	8 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 624 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	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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