294 Prospect St, Nutley, NJ 07110 Property Records

Essex County and Nutley Township property record for 294 Prospect St, Nutley, NJ 07110

Property Summary

Property Type	Single Family Home
Details	1,632 sqft · built 1850
Lot Size	0.128 acres (5,568 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Jan 2022)
Tax Bill	$11,627 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-05900-0000-00041`

Property Details

APN / Parcel Number

Primary APN	`16-05900-0000-00041`
Alternative APN	`1600169000000006`

Interior

Building Area	1,632 sqft Living Area

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Lot Area	5,568 sqft (0.128 acres)
Lot Dimensions	96 ft deep x 58 ft wide

Location & Zoning

Old Parcel Number	1600169000000006
Street Address	294 PROSPECT ST
City	NUTLEY
State	NJ
Zip	07110-2264
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	58X96 IRR
Legal Block	5900
Legal Lot Number	41
Jurisdiction	ESSEX NJ
Township / Civil Division	NUTLEY
Census Block Group	3
Census Block	3004
Census Tract	13800

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	Individual Name on Record
Mailing Address	294 PROSPECT ST, NUTLEY, NJ 07110-2264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jan 26, 2022	Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP
Aug 3, 2021	Deed of Trust, Mortgage KRISTEN M RUFOLO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2022 · Amount on Record
Deed Sale	Jan 26, 2022 · Amount on Record
Deed Document Number	20227161
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	294 PROSPECT ST, NUTLEY, NJ 07110-2264
Transaction Type	Mortgage
Record Updated	Feb 16, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 PROSPECT ST, NUTLEY, NJ 07110-2264

Mortgage

Document Number	0000003091
Date	Jan 14, 2026
Instrument	2026003091

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jan 26, 2022
Property Address	294 PROSPECT ST, NUTLEY, NJ 07110-2264
Document Number	0000007161
Instrument Date	Dec 13, 2021
Instrument	2022007161
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	ALL PRO TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	71 FAIRMOUNT AVE, 71, CHESTER, NJ 07930-2620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 PROSPECT ST, NUTLEY, NJ 07110-2264

Mortgage

Document Number	0000007162
Date	Jan 26, 2022
Instrument	2022007162

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	294 PROSPECT ST, NUTLEY, NJ 07110-2264
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 PROSPECT ST, NUTLEY, NJ 07110-2264

Mortgage

Document Number	2021094802
Date	Aug 3, 2021
Instrument	2021094802

Lender

Name	KRISTEN M RUFOLO
Type	Private Party
Address	72 FAIRMOUNT AVE, CHESTER, NJ 07930

Agreement

Amount	Amount Recorded

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		$430,800 (-) Land $222,800 Building $208,000	$430,800 (-) Land $222,800 Building $208,000
2025	$11,627.00 (+2.55%)	$430,800 (-) Land $222,800 Building $208,000	$430,800 (-) Land $222,800 Building $208,000
2024	$11,338.00 (-11.7%)
2023		$430,800 Land $222,800 Building $208,000	$430,800 Land $222,800 Building $208,000
2022	$12,840.00

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

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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