Essex County and Bloomfield Township property record for 38 Prospect St, Bloomfield, NJ 07003
| Property Type | Single Family Home |
|---|---|
| Details | 3,066 sqft · built 1919 |
| Lot Size | 0.074 acres (3,210 sqft) |
| Owner | Company Name on Record |
| Last Sale | $910,000 (Jun 2026) |
| Tax Bill | $13,576 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 02-00125-0000-00018 |
| Primary APN | 02-00125-0000-00018 |
|---|---|
| Alternative APN |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 3,066 sqft Living Area |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Architectural Style | Multi-Family |
| Lot Area | 3,210 sqft (0.074 acres) |
| Lot Dimensions | 107 ft deep x 30 ft wide |
| Old Parcel Number | 020012500018 |
|---|---|
| Street Address | 38 PROSPECT ST |
| City | BLOOMFIELD |
| State | NJ |
| Zip | 07003-3250 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2B |
| Legal Description | 30 X 107 |
| Legal Block | 125 |
| Legal Lot Number | 18 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | BLOOMFIELD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 15600 |
Source: Essex County and Bloomfield Township records, as of July 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 58 BROWERTOWN RD, LITTLE FALLS, NJ 07424-1715 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE |
| Aug 25, 2023 | Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Jun 18, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Aug 4, 2017 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on Record |
| Deed Sale | Jun 22, 2026 · Amount on Record |
| Prior Sale | Aug 25, 2023 · Amount on Record |
| Deed Document Number | 202640867 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jun 22, 2026 |
| Property Address | 38 PROSPECT ST, BLOOMFIELD, NJ 07003-3250 |
| Document Number | 0000040867 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202640867 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2026 |
| Title Company | TRIDENT LAND TRANSFER COMPANY, TRIDENT LAND TRANSFER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $91,910.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 58 BROWERTOWN RD, LITTLE FALLS, NJ 07424-1715 |
| Document Number | 0000040868, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202640868 |
| Name | PROSPERITY HOME MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Aug 25, 2023 |
| Property Address | 38 PROSPECT ST, BLOOMFIELD, NJ 07003-3250 |
| Document Number | 0000051403 |
| Instrument Date | Aug 10, 2023 |
| Instrument | 2023051403 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2023 |
| Title Company | ALL PRO TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25 HILLCREST RD, GLEN RIDGE, NJ 07028-1202 |
| Name | Verified Name |
|---|---|
| Address | 38 PROSPECT STREET, BLOMFIELD TOWNSHIP, NJ |
| Document Number | 0000051404 |
|---|---|
| Date | Aug 25, 2023 |
| Instrument | 2023051404 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 24, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 38 PROSPECT ST, BLOOMFIELD, NJ 07003-3250 |
| Document Number | 0000059342 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2020 |
| Title Company | ALL PRO TITLE GROUP LLC, ALL PRO TITLE GRP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38 PROSPECT ST BLOOMFIELD NJ 070033250, BLOOMFIELD, NJ 07003-3250 |
| Document Number | 0000059342 |
|---|---|
| Date | Jun 26, 2020 |
| Instrument | 59342 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 38 PROSPECT ST, BLOOMFIELD, NJ 07003-3250 |
| Document Number | 0000082965 |
| Instrument Date | Aug 4, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2019 |
| Title Company | PRESTIGE TITLE, PRESTIGE TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38 PROSPECT ST BLOOMFIELD NJ 070033225, BLOOMFIELD, NJ 07003-3225 |
| Document Number | 0000082965 |
|---|---|
| Date | Sep 19, 2017 |
| Instrument | 82965 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 18, 2047 |
Source: Essex County and Bloomfield Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Bloomfield Township |
| Unified School District | Bloomfield Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $389,100 (-) Land $51,200 Building $337,900 | $389,100 (-) Land $51,200 Building $337,900 | |
| 2025 | $13,576.00 (+2.86%) | $389,100 (+8.57%) Land $51,200 Building $337,900 | $389,100 (+8.57%) Land $51,200 Building $337,900 |
| 2024 | $13,198.00 (+15.02%) | ||
| 2023 | $358,400 (-) Land $51,200 Building $307,200 | $358,400 (-) Land $51,200 Building $307,200 | |
| 2022 | $11,475.00 (+1.87%) | $358,400 Land $51,200 Building $307,200 | $358,400 Land $51,200 Building $307,200 |
| 2021 | $11,264.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 50 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 50 in force |
| Nearby Flood Claims | 79 (1984–2026) |
| Claims Outside the SFHA | 8 of 79 |
| Most Recent Claim | Jun 2026 · other causes |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | BLOOMFIELD WATER DEPARTMENT serves 53,315 people · EPA ID NJ0702001 |
|---|---|
| Water Source | Purchased surface water from NEWARK WATER DEPARTMENT |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2024 Treatment failure resolved · Nov 2020 Haloacetic acids resolved · Jan 2020 |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2022 Lead service line replacement Jan 2022 |
| Monitoring and Reporting | 5 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 602 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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