38 Stephen St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 38 Stephen St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	1,854 sqft · built 1929
Lot Size	0.186 acres (8,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Jul 2025)
Tax Bill	$20,059 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-04511-0000-00036`

Property Details

APN / Parcel Number

Primary APN	`13-04511-0000-00036`
Alternative APN	`130451100036`

Interior

Stories	2 Stories
Building Area	1,854 sqft Living Area

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Construction Type	Frame
Lot Area	8,100 sqft (0.186 acres)
Lot Dimensions	162 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130451100036
Street Address	38 STEPHEN ST
City	MONTCLAIR
State	NJ
Zip	07042-5032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	50X162 IRR
Legal Subdivision	TOWNSHIP/MONTCLAIR
Legal Block	4511
Legal Lot Number	36
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1005
Census Tract	16500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Glen Ridge Historic District (Boundary Increase) listed 1988 · 510 contributing resources · NRIS 88002155

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 STEPHEN ST, MONTCLAIR, NJ 07042-5032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2025 · Amount on Record
Deed Sale	Jul 21, 2025 · Amount on Record
Deed Document Number	202545363
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	38 STEPHEN ST, MONTCLAIR, NJ 07042-5032
Document Number	0000077986
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Sep 2, 2019
Title Company	CORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 STEPHEN ST MONTCLAIR NJ 070425032, MONTCLAIR, NJ 07042-5032

Mortgage

Document Number	0000077986
Date	Aug 20, 2019
Instrument	77986

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

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		$606,700 (+6.35%) Land $340,500 Building $266,200	$606,700 (+6.35%) Land $340,500 Building $266,200
2025	$20,059.00 (+3.32%)	$570,500 (-) Land $340,500 Building $230,000	$570,500 (-) Land $340,500 Building $230,000
2024	$19,414.00 (+3.5%)
2023		$570,500 Land $340,500 Building $230,000	$570,500 Land $340,500 Building $230,000
2022	$18,758.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Low lower than 96% of the US · lower than 89% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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