38 Bruce Rd, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 38 Bruce Rd, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	1,224 sqft · built 1957
Lot Size	0.282 acres (12,301 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Feb 2002)
Tax Bill	$19,377 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-02503-0000-00061`

Property Details

APN / Parcel Number

Primary APN	`13-02503-0000-00061`
Alternative APN	`130250300061`

Interior

Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	1,224 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Frame
Lot Area	12,301 sqft (0.282 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	130250300061
Street Address	38 BRUCE RD
City	MONTCLAIR
State	NJ
Zip	07043-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	12300SF
Legal Block	2503
Legal Lot Number	61
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2003
Census Tract	16300

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	38 BRUCE RD, MONTCLAIR, NJ 07043-1720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 23, 2017	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2002 · Amount on Record
Deed Sale	Feb 28, 2002 · Amount on Record
Prior Sale	Sep 9, 1998 · Amount on Record
Deed Book / Page	5865 / 95
Last Transfer Date	Sep 25, 2020
Transfer Doc	0000051666
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	38 BRUCE RD, MONTCLAIR, NJ 07043-1720
Transaction Type	Mortgage
Record Updated	Apr 22, 2024
Title Company	PRO NATIONAL TITLE AGENCY, PRO NATIONAL TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051667
Date	Apr 26, 2021
Instrument	2021051667

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Oct 1, 2050

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ESSEX NJ
Recording Date	Apr 26, 2021
Property Address	38 BRUCE RD, MONTCLAIR, NJ 07043-1720
Document Number	2021051666
Instrument Date	Sep 25, 2020
Instrument	2021051666
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	PRO NATIONAL TITLE AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 BRUCE RD, MONTCLAIR, NJ 07043-1720

Mortgage

Document Number	2021051667
Date	Apr 26, 2021
Instrument	2021051667

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Oct 1, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	38 BRUCE RD, MONTCLAIR, NJ 07043-1720
Document Number	0000010583
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	Feb 1, 2018
Title Company	ACRES LAND TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 BRUCE RD MONTCLAIR NJ 070431720, MONTCLAIR, NJ 07043-1720

Mortgage

Document Number	0000010583
Date	Feb 3, 2017
Instrument	10583

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

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		$551,100 (-) Land $367,200 Building $183,900	$551,100 (-) Land $367,200 Building $183,900
2025	$19,377.00 (+3.33%)	$551,100 (-) Land $367,200 Building $183,900	$551,100 (-) Land $367,200 Building $183,900
2024	$18,753.00 (+3.49%)
2023		$551,100 Land $367,200 Building $183,900	$551,100 Land $367,200 Building $183,900
2022	$18,120.00

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	2 (1994–2011)
Most Recent Claim	Sep 2011 · 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

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 567 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

May also be available: T-Mobile.

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