40 Charles St, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 40 Charles St, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	1,961 sqft · built 1925
Lot Size	0.067 acres (2,923 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Apr 2004)
Tax Bill	$12,372 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00100-0000-00020`

Property Details

APN / Parcel Number

Primary APN	`02-00100-0000-00020`
Alternative APN	`020010000020`

Interior

Stories	2 Stories
Building Area	1,961 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Multi-Family
Lot Area	2,923 sqft (0.067 acres)
Lot Dimensions	117 ft deep x 25 ft wide

Location & Zoning

Old Parcel Number	020010000020
Street Address	40 CHARLES ST
City	BLOOMFIELD
State	NJ
Zip	07003-4731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-2
Legal Description	25 X 117
Legal Block	100
Legal Lot Number	20
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	1
Census Block	1002
Census Tract	15700

Owner

40 Charles St is owned and occupied by two individuals who bought it in April 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 CHARLES ST, BLOOMFIELD, NJ 07003-4731
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
May 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2004 · Amount on File
Deed Sale	Apr 1, 2004 · Amount on File
Prior Sale	Aug 9, 2002 · Amount on File
Deed Book / Page	6057 / 521
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	40 CHARLES ST, BLOOMFIELD, NJ 07003-4731
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047371
Date	May 12, 2022
Instrument	2022047371

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	40 CHARLES ST, BLOOMFIELD, NJ 07003-4731
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CHARLES ST, BLOOMFIELD, NJ 07003-4731

Mortgage

Document Number	0000014098
Date	Mar 6, 2023
Instrument	2023014098

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 40 Charles St was $12,372, up 2.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$354,600 (-) Land $98,100 Building $256,500	$354,600 (-) Land $98,100 Building $256,500
2025	$12,372.00 (+2.86%)	$354,600 Land $98,100 Building $256,500	$354,600 Land $98,100 Building $256,500
2024	$12,028.00
2023		$354,600 Land $98,100 Building $256,500	$354,600 Land $98,100 Building $256,500
2022	$11,354.00

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

Flood

FEMA maps place 40 Charles St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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 Policies	1 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

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

The area around 40 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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

Violations Reported to EPA

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.

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: Andrena, Optimum, T-Mobile.

Nearby Properties on Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures