251 McCosh Rd, Upper Montclair (Montclair), NJ 07043 Property Records

Passaic County and Clifton City property record for 251 McCosh Rd, Upper Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	2,128 sqft · built 1925
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$849,000 (Oct 2025)
Tax Bill	$13,704 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-00074-10-00032`

Property Details

APN / Parcel Number

Primary APN	`02-00074-10-00032`
Alternative APN	`0200074001000032`

Interior

Units	2 Units
Stories	2 Stories
Building Area	2,128 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Location & Zoning

Street Address	251 MC COSH RD
City	CLIFTON
State	NJ
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A1
Legal Subdivision	MUNICIPALITY/CITY/CLIFTON
Legal Block	74.10
Legal Lot Number	32
Jurisdiction	PASSAIC NJ
Township / Civil Division	CLIFTON
Census Block Group	3
Census Block	3008
Census Tract	124312

Owner

Source: Passaic County and Clifton City records, as of July 8, 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	121 LINCOLN AVE, ELMWOOD PARK, NJ 07407-1618
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Bargain and Sale Deed, Transfer · FHA Mortgage UNMB HOME LOANS INC
Sep 13, 2021	Deed, Transfer · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Oct 11, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2025 · Amount on Record
Deed Sale	Oct 8, 2025 · Amount on Record
Prior Sale	Jan 8, 2002 · Amount on Record
Deed Document Number	202533970
Deed Book / Page	4981 / 30
Record Updated	Oct 29, 2026

October 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PASSAIC NJ
Recording Date	Oct 8, 2025
Property Address	251 MCCOSH RD, UPPER MONTCLAIR, NJ 07043-2107
Document Number	0000033970
Book / Page	D4981 / 30
Instrument Date	Sep 30, 2025
Instrument	2025033970
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,122.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 WESTMINSTER DR, PARSIPPANY, NJ 07054-4061

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	121 LINCOLN AVE, ELMWOOD PARK, NJ 07407-1618
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033971
Date	Oct 8, 2025
Instrument	2025033971

Lender

Name	UNMB HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Sep 13, 2021
Property Address	251 MCCOSH RD, UPPER MONTCLAIR, NJ 07043-2107
Document Number	0000058055
Book / Page	D4129 / 14
Instrument Date	Sep 1, 2021
Instrument	2021058055
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	MCT TITLE SERVICES LLC, CTA TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	253 MCCOSH RD, 253, UPPER MONTCLAIR, NJ 07043-2107

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	251 MCCOSH RD, UPPER MONTCLAIR, NJ 07043-2107

Mortgage

Document Number	0000058056
Date	Sep 13, 2021
Instrument	2021058056

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	Oct 11, 2018
Property Address	251 MCCOSH RD, UPPER MONTCLAIR, NJ 07043-2107
Document Number	0000046691
Book / Page	003424 / 000273
Instrument Date	Sep 28, 2018
Instrument	46691
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	72 WESTMINSTER DR PARSIPPANY NJ 070544061, PARSIPPANY, NJ 07054-4061

Tax Assessment & Valuation

Source: Passaic County and Clifton City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Clifton City
Unified School District	Clifton City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$223,600 (-) Land $115,800 Building $107,800	$223,600 (-) Land $115,800 Building $107,800
2025	$13,704.00 (+3.25%)	$223,600 (-) Land $115,800 Building $107,800	$223,600 (-) Land $115,800 Building $107,800
2024	$13,273.00 (+3.96%)
2023		$223,600 Land $115,800 Building $107,800	$223,600 Land $115,800 Building $107,800
2022	$12,767.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 29, 2024 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	34 (1979–2021)
Claims Outside the SFHA	10 of 34
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 7 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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 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	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 196 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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