396 Prospect St, Nutley, NJ 07110 Property Records

Essex County and Nutley Township property record for 396 Prospect St, Nutley, NJ 07110

Property Summary

Property Type	Single Family Home
Details	1,368 sqft · built 1927
Lot Size	0.185 acres (8,046 sqft)
Owner	2 Individual Names on Record
Last Sale	$472,000 (May 2018)
Tax Bill	$13,832 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-04600-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`16-04600-0000-00007`
Alternative APN	`1600240000000047`

Interior

Building Area	1,368 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Lot Area	8,046 sqft (0.185 acres)
Lot Dimensions	149 ft deep x 54 ft wide

Location & Zoning

Old Parcel Number	1600240000000047
Street Address	396 PROSPECT ST
City	NUTLEY
State	NJ
Zip	07110-2243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	54X149 IRR
Legal Block	4600
Legal Lot Number	7
Jurisdiction	ESSEX NJ
Township / Civil Division	NUTLEY
Census Block Group	1
Census Block	1005
Census Tract	13800

Owner

Source: Essex County and Nutley 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	396 PROSPECT ST, NUTLEY, NJ 07110-2243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED MORTGAGE CORP
Jun 25, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED MTG
May 10, 2018	Grant Deed, Transfer · FHA Mortgage UNITED MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2018 · Amount on Record
Deed Sale	May 10, 2018 · Amount on Record
Prior Sale	Jun 30, 2011 · Amount on Record
Deed Document Number	201841129
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	396 PROSPECT ST, NUTLEY, NJ 07110-2243
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	MAIN STREET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021105903
Date	Aug 27, 2021
Instrument	2021105903

Lender

Name	UNITED MORTGAGE CORP
Type	Mortgage Company
Address	CLIFTON, NJ 07011

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	396 PROSPECT ST, NUTLEY, NJ 07110-2243
Document Number	0000063566
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	MAIN STREET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	396 PROSPECT ST NUTLEY NJ 071102243, NUTLEY, NJ 07110-2243

Mortgage

Document Number	0000063566
Date	Jul 10, 2020
Instrument	63566

Lender

Name	UNITED MTG
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

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

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	May 10, 2018
Property Address	396 PROSPECT ST, NUTLEY, NJ 07110-2243
Document Number	0000041129
Instrument Date	Apr 30, 2018
Instrument	41129
Transaction Type	Transfer
Record Updated	Jun 26, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
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	396 PROSPECT ST NUTLEY NJ 071102243, NUTLEY, NJ 07110-2243

Mortgage

Document Number	41130
Date	May 10, 2018
Instrument	41130

Lender

Name	UNITED MTG
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2048

Tax Assessment & Valuation

Source: Essex County and Nutley Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Nutley Township
Unified School District	Nutley Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$512,500 (-) Land $245,200 Building $267,300	$512,500 (-) Land $245,200 Building $267,300
2025	$13,832.00 (+2.54%)	$512,500 (-) Land $245,200 Building $267,300	$512,500 (-) Land $245,200 Building $267,300
2024	$13,489.00 (-5.64%)
2023		$512,500 Land $245,200 Building $267,300	$512,500 Land $245,200 Building $267,300
2022	$14,296.00

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
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	NUTLEY WATER DEPT serves 29,500 people · EPA ID NJ0716001
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jan 2025 Coliform assessment Oct 2023
Monitoring and Reporting	8 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 797 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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