4 Curtis Ter, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 4 Curtis Ter, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	3,312 sqft · built 1930
Lot Size	0.281 acres (12,245 sqft)
Owner	Individual Name on File
Last Sale	$167,376 (Apr 2022)
Tax Bill	$26,082 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-02101-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`13-02101-0000-00003`
Alternative APN	`130210100003`

Interior

Stories	2 Stories
Building Area	3,312 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	12,245 sqft (0.281 acres)
Lot Dimensions	155 ft deep x 79 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130210100003
Street Address	4 CURTIS TER
City	MONTCLAIR
State	NJ
Zip	07042-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	79X155 IRR
Legal Block	2101
Legal Lot Number	3
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2002
Census Tract	17000

Owner

4 Curtis Ter is owned and occupied by an individual who bought it in April 2022.

Source: Essex County and Montclair Township records, as of July 2, 2026

Owner of Record	Individual Name on File
Mailing Address	4 CURTIS TER, MONTCLAIR, NJ 07042-2505
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Apr 4, 2022	Divorce Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2022 · Amount on File
Deed Sale	Apr 4, 2022 · Amount on File
Prior Sale	Jul 15, 2019 · Amount on File
Deed Document Number	202233748
Prior Transfer Date	Dec 28, 2021
Prior Transfer Doc	0000033748
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	4 CURTIS TER, MONTCLAIR, NJ 07042-2505
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060791
Date	Oct 11, 2023
Instrument	2023060791

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	4 CURTIS TER, MONTCLAIR, NJ 07042-2505
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	RELIANCE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064157
Date	Jul 15, 2019
Instrument	2019064157

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2022: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	ESSEX NJ
Recording Date	Apr 4, 2022
Property Address	4 CURTIS TER, MONTCLAIR, NJ 07042-2505
Document Number	0000033748
Instrument Date	Dec 28, 2021
Instrument	2022033748
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CURTIS TER, MONTCLAIR, NJ 07042-2505

Mortgage

Document Number	0000033749
Date	Apr 4, 2022
Instrument	2022033749

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4 Curtis Ter was $26,082, up 3.3% from the year before.

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		$741,800 (-) Land $306,200 Building $435,600	$741,800 (-) Land $306,200 Building $435,600
2025	$26,082.00 (+3.32%)	$741,800 Land $306,200 Building $435,600	$741,800 Land $306,200 Building $435,600
2024	$25,243.00
2023		$741,800 (-) Land $306,200 Building $435,600	$741,800 (-) Land $306,200 Building $435,600
2022	$24,390.00 (+1.76%)	$741,800 Land $306,200 Building $435,600	$741,800 Land $306,200 Building $435,600
2021	$23,967.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4 Curtis Ter in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1989.

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	2 in force
Nearby Flood Claims	5 (1989–2011)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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

Wildfire risk around 4 Curtis Ter is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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.

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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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