285 Prospect St, Nutley, NJ 07110 Property Records

Essex County and Nutley Township property record for 285 Prospect St, Nutley, NJ 07110

Property Summary

Property Type	Single Family Home
Details	1,550 sqft · built 1952
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Sep 2017)
Tax Bill	$12,043 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-05801-0000-00020`

Property Details

APN / Parcel Number

Primary APN	`16-05801-0000-00020`
Alternative APN	`1600162000000023`

Interior

Building Area	1,550 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	1600162000000023
Street Address	285 PROSPECT ST
City	NUTLEY
State	NJ
Zip	07110-2265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	50X100
Legal Block	5801
Legal Lot Number	20
Jurisdiction	ESSEX NJ
Township / Civil Division	NUTLEY
Census Block Group	3
Census Block	3003
Census Tract	13800

Owner

Source: Essex County and Nutley Township assessment roll, 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 File
Mailing Address	285 PROSPECT ST, NUTLEY, NJ 07110-2265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROPONENT FCU
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 31, 2017	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 14, 2017 · Amount on Record
Deed Sale	Sep 14, 2017 · Amount on Record
Deed Document Number	201781505
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	285 PROSPECT ST, NUTLEY, NJ 07110-2265
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018854
Date	Mar 20, 2026
Instrument	2026018854

Lender

Name	PROPONENT FCU
Type	Credit Union
Address	NUTLEY, NJ 07110

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 15, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	285 PROSPECT ST, NUTLEY, NJ 07110-2265
Transaction Type	Mortgage
Record Updated	May 21, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021048840
Date	Apr 20, 2021
Instrument	2021048840

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	285 PROSPECT ST, NUTLEY, NJ 07110-2265
Document Number	0000081507
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 PROSPECT ST NUTLEY NJ 071102265, NUTLEY, NJ 07110-2265

Mortgage

Document Number	0000081507
Date	Sep 14, 2017
Instrument	81507

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 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		$446,200 (-) Land $216,000 Building $230,200	$446,200 (-) Land $216,000 Building $230,200
2025	$12,043.00 (+2.55%)	$446,200 (-) Land $216,000 Building $230,200	$446,200 (-) Land $216,000 Building $230,200
2024	$11,743.00 (+4.05%)
2023		$446,200 Land $216,000 Building $230,200	$446,200 Land $216,000 Building $230,200
2022	$11,286.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	15 (1999–2024)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 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 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 Communications 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 USA Fixed Wireless	100 / 20

May also be available: Xfinity.

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