Essex County and Montclair Township property record for 3 Prospect Ave, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 2,760 sqft · built 1922 |
| Lot Size | 0.173 acres (7,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $534,000 (Nov 2015) |
| Tax Bill | $17,513 (2025) |
| Deeds & Mortgages | Nov 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00404-0000-00001 |
| Primary APN | 13-00404-0000-00001 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,760 sqft Living Area |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Construction Type | Frame |
| Lot Area | 7,553 sqft (0.173 acres) |
| Lot Dimensions | 83 ft deep x 91 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130040400001 |
|---|---|
| Street Address | 3 PROSPECT AVE |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-1812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 91X83 IRR |
| Legal Block | 404 |
| Legal Lot Number | 1 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 16900 |
3 Prospect Ave is owned and occupied by two individuals who bought it in November 2015.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 PROSPECT AVE, MONTCLAIR, NJ 07042-1812 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2015 · Amount on File |
| Deed Sale | Nov 2, 2015 · Amount on File |
| Prior Sale | Jul 1, 2011 · Amount on File |
| Deed Document Number | 201583892 |
| Prior Transfer Date | May 11, 2007 |
| Prior Transfer Doc | 0007067929 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 3 PROSPECT AVE, MONTCLAIR, NJ 07042-1812 |
| Document Number | 0000123669 |
| Instrument Date | Nov 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2021 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 PROSPECT AVE MONTCLAIR NJ 070421812, MONTCLAIR, NJ 07042-1812 |
| Document Number | 0000123669 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 123669 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 9, 2050 |
| Rate | 2.75% |
|---|
The 2025 property tax bill for 3 Prospect Ave was $17,513, 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 | $498,100 (-) Land $174,600 Building $323,500 | $498,100 (-) Land $174,600 Building $323,500 | |
| 2025 | $17,513.00 (+3.32%) | $498,100 Land $174,600 Building $323,500 | $498,100 Land $174,600 Building $323,500 |
| 2024 | $16,950.00 | ||
| 2023 | $498,100 Land $174,600 Building $323,500 | $498,100 Land $174,600 Building $323,500 | |
| 2022 | $16,377.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 | 2 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
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.
The area around 3 Prospect Ave 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.
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 329 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 |
| AT&T Fixed Wireless | 100 / 20 |
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