Union County and Mountainside Borough property record for 305 Garrett Rd, Mountainside, NJ 07092
| Property Type | Single Family Home |
|---|---|
| Details | 2,463 sqft · built 1966 |
| Lot Size | 0.357 acres (15,551 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $950,000 (Jun 2022) |
| Tax Bill | $14,030 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jun 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00015-04-00004 |
| Primary APN | 10-00015-04-00004 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,463 sqft Living Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Construction Type | Frame |
| Lot Area | 15,551 sqft (0.357 acres) |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 1000015D00004 |
|---|---|
| Street Address | 305 GARRETT RD |
| City | MOUNTAINSIDE |
| State | NJ |
| Zip | 07092-1811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Subdivision | BIRCH HILL SEC F |
| Legal Block | 15.4 |
| Legal Lot Number | 4 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | MOUNTAINSIDE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 38300 |
305 Garrett Rd is owned and occupied by two individuals who bought it in June 2022.
Source: Union County and Mountainside Borough records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 305 GARRETT RD, MOUNTAINSIDE, NJ 07092-1811 |
| 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 |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jun 8, 2022 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Jun 21, 2019 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| May 25, 2018 | Deed of Trust, Mortgage · Line of Credit QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2022 · Amount on File |
| Deed Sale | Jun 8, 2022 · Amount on File |
| Prior Sale | Jun 21, 2019 · Amount on File |
| Deed Document Number | 202218883 |
| Deed Book / Page | 6467 / 2595 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 305 GARRETT RD, MOUNTAINSIDE, NJ 07092-1811 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Title Company | UNKNOWN, TITLE365 COMPANY |
| Name | Verified Name |
|---|---|
| Address | 305 GARRETT RD, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 0156912574 |
|---|---|
| Date | Sep 12, 2025 |
| Book Page | 15691/2574 |
| Instrument | 82944 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 9, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jun 8, 2022 |
| Property Address | 305 GARRETT RD, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 0064672595 |
| Book / Page | 6467 / 2595 |
| Instrument Date | May 24, 2022 |
| Instrument | 18883 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Title Company | TITLE US LLC, TITLE TRUST LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 S ROCKAWAY DR, 7, BOONTON, NJ 07005-9185 |
| Name | Verified Name |
|---|---|
| Address | 305 GARRETT RD, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 0000038432 |
|---|---|
| Date | Jun 8, 2022 |
| Instrument | 38432 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 305 GARRETT RD, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 0148002719 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 305 GARRETT RD MOUNTAINSIDE NJ 070921811, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 0148002719 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 014800/002719 |
| Instrument | 702070 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 25, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jun 21, 2019 |
| Property Address | 305 GARRETT RD, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 0063272251 |
| Book / Page | 006327 / 002251 |
| Instrument Date | Jun 17, 2019 |
| Instrument | 314125 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2019 |
| Title Company | FOUNDATION TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 305 GARRETT RD MOUNTAINSIDE NJ 070921811, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 145672664 |
|---|---|
| Date | Jun 21, 2019 |
| Book Page | 014567/002664 |
| Instrument | 674238 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 20, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 305 GARRETT RD, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 0144540666 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 305 GARRETT RD MOUNTAINSIDE NJ 070921811, MOUNTAINSIDE, NJ 07092-1811 |
| Document Number | 0144540666 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 014454/000666 |
| Instrument | 658582 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 305 Garrett Rd was $14,030, up 2.4% from the year before.
Source: Union County and Mountainside Borough assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Mountainside Borough |
| Unified School District | Mountainside Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $668,100 (-) Land $272,400 Building $395,700 | $668,100 (-) Land $272,400 Building $395,700 | |
| 2025 | $14,030.00 (+2.44%) | $668,100 Land $272,400 Building $395,700 | $668,100 Land $272,400 Building $395,700 |
| 2024 | $13,696.00 | ||
| 2023 | $668,100 Land $272,400 Building $395,700 | $668,100 Land $272,400 Building $395,700 | |
| 2022 | $13,066.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 Garrett Rd in Zone X, an area of minimal 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 7 (2002–2011) |
| Claims Outside the SFHA | 5 of 7 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 305 Garrett Rd is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | NJ AMERICAN WATER - RARITAN private · serves 615,430 people · EPA ID NJ2004002 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 424 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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