34 Gray St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 34 Gray St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	1,601 sqft · built 1928
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,579 (Jul 2020)
Tax Bill	$18,561 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-04510-0000-00025`

Property Details

APN / Parcel Number

Primary APN	`13-04510-0000-00025`
Alternative APN	`130451000025`

Interior

Stories	2 Stories
Building Area	1,601 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
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	130451000025
Street Address	34 GRAY ST
City	MONTCLAIR
State	NJ
Zip	07042-5026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	50X102 IRR
Legal Block	4510
Legal Lot Number	25
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	34 GRAY ST, MONTCLAIR, NJ 07042-5026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Grant Deed, Transfer · Conventional Mortgage ATLANTIC HM LOANS
May 25, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2020 · Amount on Record
Deed Sale	Jul 10, 2020 · Amount on Record
Prior Sale	Mar 19, 2003 · Amount on Record
Deed Document Number	202063611
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 10, 2020
Property Address	34 GRAY ST, MONTCLAIR, NJ 07042-5026
Document Number	0000063611
Instrument Date	Jun 26, 2020
Instrument	63611
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	RIVERSIDE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$571.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 GRAY ST MONTCLAIR NJ 070425026, MONTCLAIR, NJ 07042-5026

Mortgage

Document Number	63612
Date	Jul 10, 2020
Instrument	63612

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	34 GRAY ST, MONTCLAIR, NJ 07042-5026
Document Number	0000052381
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 GRAY ST MONTCLAIR NJ 070425026, MONTCLAIR, NJ 07042-5026

Mortgage

Document Number	0000052381
Date	Jun 15, 2017
Instrument	52381

Lender

Name	CITIZENS BK/PA
Type	Bank
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 14, 2042

Interest

Rate Type	Adjustable Rate

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		$527,900 (-) Land $325,700 Building $202,200	$527,900 (-) Land $325,700 Building $202,200
2025	$18,561.00 (+3.32%)	$527,900 (-) Land $325,700 Building $202,200	$527,900 (-) Land $325,700 Building $202,200
2024	$17,964.00 (+3.5%)
2023		$527,900 Land $325,700 Building $202,200	$527,900 Land $325,700 Building $202,200
2022	$17,357.00

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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