Essex County and Montclair Township property record for 28 Park Ter, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 2,028 sqft · built 1922 |
| Lot Size | 0.66 acres (28,764 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (May 2003) |
| Tax Bill | $26,092 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Dec 2016 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 13-02805-0000-00002 |
| Primary APN | 13-02805-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,028 sqft Living Area |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1946 |
| Construction Type | Frame |
| Lot Area | 28,764 sqft (0.66 acres) |
| Lot Dimensions | 204 ft deep x 141 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130280500002 |
|---|---|
| Street Address | 28 PARK TER |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043-2023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 141X204 IRR |
| Legal Block | 2805 |
| Legal Lot Number | 2 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 16200 |
28 Park Ter is owned and occupied by two individuals who bought it in May 2003.
Source: Essex County and Montclair Township records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 PARK TER, MONTCLAIR, NJ 07043-2023 |
| 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 |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Dec 23, 2016 | Deed of Trust, Mortgage · Conventional Mortgage NS RAMAMURTHY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2003 · Amount on File |
| Deed Sale | May 13, 2003 · Amount on File |
| Prior Sale | Jan 31, 1994 · Amount on File |
| Deed Book / Page | 5966 / 529 |
| Prior Transfer Date | Apr 6, 1989 |
| Prior Transfer Doc | 5075000668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 28 PARK TER, MONTCLAIR, NJ 07043-2023 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28 PARK TER, MONTCLAIR, NJ 07043-2023 |
| Document Number | 0000010241 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 2026010241 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 28 PARK TER, MONTCLAIR, NJ 07043-2023 |
| Document Number | 0000001480 |
| Instrument Date | Dec 23, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 28 PARK TER MONTCLAIR NJ 070432023, MONTCLAIR, NJ 07043-2023 |
| Document Number | 0000001480 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 1480 |
| Name | NS RAMAMURTHY |
|---|---|
| Address | 10 LYNAM CT, SMITHTOWN, NY 11787-2071 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 28 Park Ter was $26,092, up 3.3% from the year before.
Source: Essex County and Montclair Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Montclair Township |
| Unified School District | Montclair Town School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $752,000 (+1.33%) Land $474,100 Building $277,900 | $752,000 (+1.33%) Land $474,100 Building $277,900 | |
| 2025 | $26,092.00 (+3.32%) | $742,100 Land $474,100 Building $268,000 | $742,100 Land $474,100 Building $268,000 |
| 2024 | $25,253.00 | ||
| 2023 | $742,100 Land $474,100 Building $268,000 | $742,100 Land $474,100 Building $268,000 | |
| 2022 | $24,400.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Park Ter in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (2007–2021) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 risk around 28 Park Ter 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 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 344 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 |
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