31 Gray St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 31 Gray St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	1,940 sqft · built 1902
Lot Size	0.117 acres (5,100 sqft)
Owner	Individual Name on Record
Last Sale	$651,000 (Sep 2018)
Tax Bill	$19,155 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-04511-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`13-04511-0000-00007`
Alternative APN	`130451100007`

Interior

Stories	2 Stories
Building Area	1,940 sqft Living Area

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Construction Type	Frame
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	102 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130451100007
Street Address	31 GRAY ST
City	MONTCLAIR
State	NJ
Zip	07042-5025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	50X102 IRR
Legal Subdivision	METES & BOUNDS PROP
Legal Block	4511
Legal Lot Number	7
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1005
Census Tract	16500

Owner

Source: Essex County and Montclair 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	31 GRAY ST, MONTCLAIR, NJ 07042-5025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 27, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 3, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Sep 18, 2018	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2018 · Amount on Record
Deed Sale	Sep 18, 2018 · Amount on Record
Prior Sale	Jun 16, 2004 · Amount on Record
Deed Document Number	201880771
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	31 GRAY ST, MONTCLAIR, NJ 07042-5025
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	UNKNOWN, TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064240
Date	Oct 15, 2025
Instrument	2025064240

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	31 GRAY ST, MONTCLAIR, NJ 07042-5025
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021091360
Date	Jul 27, 2021
Instrument	2021091360

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	31 GRAY ST, MONTCLAIR, NJ 07042-5025
Document Number	0000100572
Instrument Date	Nov 3, 2018
Transaction Type	Mortgage
Record Updated	Mar 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 GRAY ST MONTCLAIR NJ 070425025, MONTCLAIR, NJ 07042-5025

Mortgage

Document Number	0000100572
Date	Nov 21, 2018
Instrument	100572

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2048

Interest

Rate Type	Adjustable Rate

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 18, 2018
Property Address	31 GRAY ST, MONTCLAIR, NJ 07042-5025
Document Number	0000080771
Instrument Date	Sep 12, 2018
Instrument	80771
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$651.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 GRAY ST MONTCLAIR NJ 070425025, MONTCLAIR, NJ 07042-5025

Mortgage

Document Number	80775
Date	Sep 18, 2018
Instrument	80775

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$544,800 (-) Land $325,600 Building $219,200	$544,800 (-) Land $325,600 Building $219,200
2025	$19,155.00 (+3.32%)	$544,800 (-) Land $325,600 Building $219,200	$544,800 (-) Land $325,600 Building $219,200
2024	$18,539.00 (+3.49%)
2023		$544,800 Land $325,600 Building $219,200	$544,800 Land $325,600 Building $219,200
2022	$17,913.00

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	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

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.

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