Essex County and Montclair Township property record for 314 Up Mountain Ave, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 3,792 sqft · built 1900 |
| Lot Size | 0.744 acres (32,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $975,000 (Jun 2017) |
| Tax Bill | $38,071 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2021 Line of Credit + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00602-0000-00024 |
| Primary APN | 13-00602-0000-00024 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,792 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 32,400 sqft (0.744 acres) |
| Lot Dimensions | 216 ft deep x 150 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130060200024 |
|---|---|
| Street Address | 314 UP MOUNTAIN AVE |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RO |
| Legal Description | 150X216 IRR |
| Legal Block | 602 |
| Legal Lot Number | 24 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 16400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Mountain District listed 1988 · 144 contributing resources · NRIS 86002970 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
314 Up Mountain Ave is owned and occupied by two individuals who bought it in June 2017.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| 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 |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Line of Credit LAFAYETTE FEDERAL CREDIT UNION |
| Mar 9, 2021 | Deed of Trust, Mortgage · Line of Credit LAFAYETTE FCU |
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LAFAYETTE FCU |
| Sep 27, 2019 | Deed of Trust, Mortgage LAFAYETTE FCU |
| Aug 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LAFAYETTE FCU |
| Mar 23, 2018 | Deed of Trust, Mortgage EVOLVE & TR BK |
| Sep 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage TCF NAT'L BK |
| May 31, 2017 | Deed of Trust, Mortgage ANGEL OAK MTG SOLUTIONS |
| Jun 7, 2017 | Grant Deed, Transfer ANGEL OAK MTG SOLUTIONS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2017 · Amount on File |
| Deed Sale | Jun 7, 2017 · Amount on File |
| Prior Sale | Oct 3, 1997 · Amount on File |
| Deed Document Number | 201749117 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jul 6, 2026 |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Document Number | 0000043909 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202643909 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | RES TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000043909, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 202643909 |
| Name | LAFAYETTE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 22, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Title Company | RES/TITLE INC, RES TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 2021028455 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021028455 |
| Name | LAFAYETTE FCU |
|---|---|
| Type | Credit Union |
| Address | ROCKVILLE, MD 20852 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Feb 9, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Title Company | RES/TITLE INC, RES TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 2021028454 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021028454 |
| Name | LAFAYETTE FCU |
|---|---|
| Type | Credit Union |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Document Number | 0000095719 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | RES TITLE |
| Name | Verified Name |
|---|---|
| Address | 314 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431012, MONTCLAIR, NJ 07043-1012 |
| Document Number | 0000095719 |
|---|---|
| Date | Oct 8, 2019 |
| Instrument | 95719 |
| Name | LAFAYETTE FCU |
|---|---|
| Type | Credit Union |
| Address | 2701 TOWER OAKS BLVD, ROCKVILLE, MD 20852-4209 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 7, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Document Number | 0000078186 |
| Instrument Date | Aug 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Name | Verified Name |
|---|---|
| Address | 314 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431012, MONTCLAIR, NJ 07043-1012 |
| Document Number | 0000078186 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 78186 |
| Name | LAFAYETTE FCU |
|---|---|
| Type | Credit Union |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 6, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Document Number | 0000028299 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2018 |
| Name | Verified Name |
|---|---|
| Address | 314 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431012, MONTCLAIR, NJ 07043-1012 |
| Document Number | 0000028299 |
|---|---|
| Date | Apr 3, 2018 |
| Instrument | 28299 |
| Name | EVOLVE & TR BK |
|---|---|
| Address | MEMPHIS, TN 38119 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 2, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Document Number | 0000082631 |
| Instrument Date | Sep 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 314 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431012, MONTCLAIR, NJ 07043-1012 |
| Document Number | 0000082631 |
|---|---|
| Date | Sep 18, 2017 |
| Instrument | 82631 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Document Number | 0000096185 |
| Instrument Date | May 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 314 UPPER MOUNTIAN AVE MONTCLAIR NJ 07042, MONTCLAIR, NJ 07042 |
| Document Number | 0000096185 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 96185 |
| Name | ANGEL OAK MTG SOLUTIONS |
|---|---|
| Address | ATLANTA, GA 30305 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 31, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jun 7, 2017 |
| Property Address | 314 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Document Number | 0000049117 |
| Instrument Date | May 8, 2017 |
| Instrument | 49117 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ASSOCIATED TITLE COMPANY, ASSOCIATED TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $975.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431012, MONTCLAIR, NJ 07043-1012 |
| Document Number | 49120 |
|---|---|
| Date | Jun 7, 2017 |
| Instrument | 49120 |
| Name | ANGEL OAK MTG SOLUTIONS |
|---|---|
| Address | ATLANTA, GA 30305 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 6, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.37% |
The 2025 property tax bill for 314 Up Mountain Ave was $38,071, 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 | $1,082,800 (-) Land $472,200 Building $610,600 | $1,082,800 (-) Land $472,200 Building $610,600 | |
| 2025 | $38,071.00 (+3.32%) | $1,082,800 Land $472,200 Building $610,600 | $1,082,800 Land $472,200 Building $610,600 |
| 2024 | $36,847.00 | ||
| 2023 | $1,045,300 Land $472,200 Building $573,100 | $1,045,300 Land $472,200 Building $573,100 | |
| 2022 | $34,369.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 Up Mountain Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 | 4 in force |
| Nearby Flood Claims | 3 (1978–2024) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jan 2024 · other causes |
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 314 Up Mountain Ave is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 353 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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