3 Harvard St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 3 Harvard St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	1,507 sqft · built 1933
Lot Size	0.142 acres (6,180 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Apr 2022)
Tax Bill	$19,830 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-04509-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`13-04509-0000-00019`
Alternative APN	`130450900019`

Interior

Stories	2 Stories
Building Area	1,507 sqft Living Area

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Construction Type	Frame
Lot Area	6,180 sqft (0.142 acres)
Lot Dimensions	103 ft deep x 60 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	130450900019
Street Address	3 HARVARD ST
City	MONTCLAIR
State	NJ
Zip	07042-5028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	60X103 IRR
Legal Block	4509
Legal Lot Number	19
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1003
Census Tract	16500

Owner

3 Harvard St is owned and occupied by two individuals who bought it in April 2022.

Source: Essex County and Montclair Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 HARVARD ST, MONTCLAIR, NJ 07042-5028
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed, Transfer · Conventional Mortgage FM HOME LOANS LLC
Nov 9, 2019	Deed of Trust, Mortgage · Conventional with PMI KWIK MTG
Jul 6, 2018	Grant Deed, Transfer · Conventional with PMI FREEDOM MTG
Oct 14, 2017	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2022 · Amount on File
Deed Sale	Apr 6, 2022 · Amount on File
Prior Sale	Jul 6, 2018 · Amount on File
Deed Document Number	202235021
Record Updated	Sep 20, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Apr 6, 2022
Property Address	3 HARVARD ST, MONTCLAIR, NJ 07042-5028
Document Number	0000035021
Instrument Date	Mar 30, 2022
Instrument	2022035021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	EVIDENT TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 HENOCH AVE, 11, CLIFTON, NJ 07013-1519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HARVARD ST, MONTCLAIR, NJ 07042-5028

Mortgage

Document Number	0000035022
Date	Apr 6, 2022
Instrument	2022035022

Lender

Name	FM HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	3 HARVARD ST, MONTCLAIR, NJ 07042-5028
Document Number	0000111400
Instrument Date	Nov 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HARVARD ST MONTCLAIR NJ 070425028, MONTCLAIR, NJ 07042-5028

Mortgage

Document Number	0000111400
Date	Nov 22, 2019
Instrument	111400

Lender

Name	KWIK MTG
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 6, 2018
Property Address	3 HARVARD ST, MONTCLAIR, NJ 07042-5028
Document Number	0000058538
Instrument Date	May 29, 2018
Instrument	58538
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HARVARD ST MONTCLAIR NJ 070425028, MONTCLAIR, NJ 07042-5028

Mortgage

Document Number	58543
Date	Jul 6, 2018
Instrument	58543

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	3 HARVARD ST, MONTCLAIR, NJ 07042-5028
Document Number	0000095494
Instrument Date	Oct 14, 2017
Transaction Type	Mortgage
Record Updated	Feb 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 HARVARD ST MONTCLAIR NJ 070425028, MONTCLAIR, NJ 07042-5028

Mortgage

Document Number	0000095494
Date	Oct 30, 2017
Instrument	95494

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3 Harvard St was $19,830, up 3.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$564,000 (-) Land $356,000 Building $208,000	$564,000 (-) Land $356,000 Building $208,000
2025	$19,830.00 (+3.32%)	$564,000 Land $356,000 Building $208,000	$564,000 Land $356,000 Building $208,000
2024	$19,192.00
2023		$564,000 Land $356,000 Building $208,000	$564,000 Land $356,000 Building $208,000
2022	$18,544.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3 Harvard St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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

The area around 3 Harvard St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 548 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Optimum, T-Mobile.

Nearby Properties on Harvard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures